Job Description
Job in Standard Chartered Bank: • Primarily responsible for managing the credit risk associated with allotted Business Credit Application (BCA) Portfolio and ensuring high quality of the portfolio within the Commercial Clients’ Segment.
• Closely work with the RMs and Team Leads from the origination & play a vital role in deal structuring to add good value from a Credit Policy and Underwriting perspective.
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• Work with the RMs on allotted portfolio and facilitate revenue growth in the portfolio.
• Ensure quality Credit Analysis throughput and speedy BCA completion.
• Participate and contribute to other Balance Sheet optimization oriented activities like asset pricing, facility structuring, etc
KEY RESPONSIBILITIES, 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.
Work with the RM, in:
a) Obtaining all pre clearances like ER negativity, segmentation, etc.
b) Deals Structuring and other account optimization initiatives
c) Expediting approvals.
Responsible for end-to-end BCA process including preparing all the tools like RAPTOR/ EL Calc, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
Visit Clients operational base with the Relationship Manager (RM) prior to BCA renewals
Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the Country portfolio standard checklist, Temasek check, other special reporting requirements, etc.
Liaise with GAM Credit for limit approval/allocation.
Post Deal Account monitoring
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