Credit Analyst

As a Credit Analyst at SCB GIFT City, your main responsibility will be to contribute towards the growth of the branch's business by maintaining a high-quality portfolio. You will be required to interact with Relationship Managers (RM) and clients to gather deal requirements, financial statements, and other necessary information for conducting thorough analysis and due diligence. Working closely with RM/product partners, you will assist in structuring credit solutions for clients, ensuring product appropriateness, and expediting approvals. In this role, you will be responsible for managing the end-to-end Business Credit Assessment (BCA) process by utilizing tools such as Creditlens, RMWB, Raptor, Scorecard, etc. It will be essential to conduct detailed risk analysis, prepare quality presentations, and ensure swift credit approval. Compliance with internal and regulatory credit policies is crucial, including preparing checklists, meeting reporting requirements, and coordinating credit meetings. Furthermore, you will monitor the portfolio quality by tracking excess/past dues, adhering to ASTAR and EAR processes, and ensuring timely submission of credit/performance reports. Regular review of reports from various tools like Fraud Risk Analytics and Credit Analytics, monitoring risk triggers and covenants, and liaising with GAM Credit for limit approvals are also part of your responsibilities. As a Credit Analyst, you will play a key role in risk management by upholding the highest ethical standards, identifying and resolving risk, conduct, and compliance matters collaboratively. Ensuring governance by maintaining systems and controls in compliance with Group and Business policies, procedures, and standards is paramount. In addition to the core responsibilities, you will engage with stakeholders internally (Credit, Relationship Manager) and externally (Clients, legal firms, Accountants). Other duties may include preparing stress tests, industry studies, credit opinion reports, and effectively utilizing tools like Creditmate & RMWB. The ideal candidate for this position should have substantial experience in the banking industry, with a strong background in credit analysis and risk assessment. Excellent interpersonal skills, business acumen, and the ability to work with diverse stakeholders are essential. Holding at least 7-8 years of relevant experience in credit analysis is required. At Standard Chartered, we aim to drive commerce and prosperity through our unique diversity while upholding our core values and brand promise. We value inclusivity, integrity, continuous improvement, and collective effort towards long-term success. If you are looking to make a positive impact and grow professionally in a purpose-driven environment, we encourage you to join our team and contribute your unique talents to our shared success.,