KEY ACTIVITIES Origination Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence. Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products. Liaise with GAM Credit for limit approval/allocation. Financial analysis of institutional customers using credit skills, ratio analysis, evaluation of parent support policies, judgment of management strategy. Evaluation and understanding of risks associated with individual transactions, products and borrowers. Responsible for end-to-end BCA process including preparing all the tools like Raptor, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval. Ensure that the approval procedures, standard of credit and maintenance, conform to controls/procedures established by head of credit for the business unit. Ensure compliance with bank policy and to ensure Bank Policy breaches are properly authorised at the correct senior approving level. Spread of financial statements and raising appropriate concerns. Liaise with GAM Credit for limit approval/allocation. Coordinate and prepare for CIC meetings

Post Deal Account Monitoring

Monitor receipt of quarterly/ annual financial information for annual review. Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes. Ensure timely submission of quality Quarterly Credit Reports Monitor Risk Triggers, Covenants and other Credit Conditions and report appropriately Ensure zero BCA over dues. Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries. Proper maintenance of Credit files and ensuring Audit Ready at any time Attend CIC, Portfolio / Mark to Market calls along with the RMs In partnership with the Relationship Manager, ensure timely identification of accounts to be put in EAR as per the Banks Policies and Guidelines Participate regularly in account planning sessions to ensure familiarity with customer business. AML & CDD Full accountability for ensuring total compliance to current Customer Due Diligence (CDD) and Anti-Money Laundering (AML) policy guidelines and changes as advised from time to time by Group and Regulators Our Ideal Candidate The job requires strong analytical skills which could be acquired by the following: Minimum five (05) credits or better including Mathematics & English University degree in business/commerce/economics is preferred however a degree in science or other field where analytical skills are gained is acceptable. Training: Standard Chartered Banks Credit skills Assessment programme (CSAP), Financial Institution Credit Curriculum (FICC) are added advantage. Proactive sales skills, and proactive negotiation skills. Professional: AICB/CPA/CPS qualification are added advantage Experience: At least one years experience in a busy Credit Management/ Analysis Area of a major commercial bank is preferred. Apply now to join the Bank for those with big career ambitions.Profile Summary

Employment Type:

Full Time Eligibility:Any Graduate Role:Audit & Risk Industry:Banking Salary:7 Lacs

Function:Accounting/Tax/Company Secretary/Audit Experience:0 – 3 Years

Deadline:2019-08-04