Credit Analyst, Commercial Banking - Standard Chartered Bank



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Standard Chartered Bank Banking Jobs in Accra


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We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.

To us, good performance is about much more than turning a profit.  It’s about showing how you embody our valued behaviours – do the right thing, better together and never settle – as well as our brand promise, Here for good.

We’re committed to promoting equality in the workplace and creating an inclusive and flexible culture – one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base.

The Role Responsibilities

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 obtaining all pre clearances and expediting approvals.
  • Responsible for end-to-end BCA process including preparing all the tools like  Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
  • Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. Country portfolio standard checklist, Temasek check, other special reporting requirements, etc.
  • Liaise with GAM Credit for limit approval/allocation.


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Post Deal Account monitoring

  • Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.
  • Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
  • Ensure Zero BCA over dues with reasonable/adequate basis for deviation
  • Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.
  • Work with RMs to ensure proper maintenance of Credit files and ensuring Audit Ready at any time
  • Attend EAR/Portfolio calls along with the RMs
  • In partnership with the relationship manager, ensure timely identification of accounts to be referred to CIC as per the bank’s policies and guidelines
  • RWA and other credit calculations.
  • Work with RMs to obtain quarterly / annual / interim financials from client

Others

  • prepare timely Stress Tests wherever required
  • Prepare specific industry study
  • Prepare Credit Opinion reports wherever required.
  • Effective use of Creditmate & CRM
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