Credit Analyst

As a Credit Analyst at SCB GIFT City located in Gandhinagar, Gujarat, your main responsibility will be to grow the business of the branch with a focus on maintaining a good quality portfolio. You will be required to interact with Relationship Managers and clients to gather deal requirements, financial statements, and other necessary inputs for performing quality analysis and due diligence. Working closely with RM/product partners, you will be involved in structuring credit solutions for clients and ensuring the appropriateness of the products. Additionally, you will be responsible for the end-to-end BCA process using tools like Creditlens, RMWB, Raptor, Scorecard, etc., to conduct in-depth risk analysis, make quality presentations, and ensure fast credit approval. In terms of processes, you will monitor the quality of the portfolio by tracking excess/past dues, complying with ASTAR and EAR processes, and ensuring timely submission of quality Quarterly Credit/Performance Reports. You will review reports from various tools like Fraud Risk Analytics, Credit Analytics, monitor risk triggers, covenants, and other credit conditions, and ensure zero BCA and CaRT overdues. Proper maintenance of credit files, attending EAR/Portfolio calls, and liaising with Credit on BCA and other credit issues will also be part of your responsibilities. Furthermore, you will be expected to display exemplary conduct in line with the Group's values and Code of Conduct, take personal responsibility for embedding high ethical standards, and ensure compliance with all applicable laws, regulations, guidelines, and the Group Code of Conduct. You will also be required to engage with audit report findings and ensure feedback is acted upon. In terms of qualifications, you should have substantial experience in the banking industry, including demonstrated success in a similar role, possess sharp business acumen, excellent interpersonal skills, and multi-cultural awareness and sensitivity. Ability to work with geographically dispersed stakeholders and at least 7-8 years of relevant experience in credit analysis are essential. Standard Chartered is an international bank that values diversity, challenges the status quo, and strives to make a positive impact. If you are looking for a purpose-driven career and want to work for a bank that celebrates unique talents and advocates inclusion, we encourage you to join us. Together, we do the right thing, continuously strive to improve, and work collectively to build for the long term. At Standard Chartered, we offer core bank funding for retirement savings, medical and life insurance, flexible working options, proactive wellbeing support, continuous learning opportunities, and an inclusive and values-driven environment that celebrates diversity and respects individual potential. Join us and be part of a team that values difference, advocates inclusion, and works towards driving commerce and prosperity through unique diversity. For more information and to explore career opportunities, visit www.sc.com/careers.,