Credit Analyst - SME ME

• Quick turnaround on NTB and new deal proposals.
• BCA Quality: Overdue BCAs to be maintained within a 5% threshold.
• Credit reverts are to be kept to a minimum, with no more than 1 referback per BCA.
• Portfolio Control - Downgrade to GSAM

• Audit - Overall grade satisfactory,100% commitment to code of conduct.
• Timely completion of mandatory e-learning.
• Conduct check thorough financial analysis of companies to evaluate their credit risk.
• Review financial statements, industry reports, and other relevant data to assess financial performance, liquidity, and solvency.
• Conduct credit ratings and recommendations based on analysis and industry knowledge.
• Monitor and track credit performance of existing clients to identify potential risks and opportunities
• Provide timely and accurate credit reports to internal and external stakeholders.
• Stay abreast of industry trends and regulatory changes to ensure compliance and best practices.
• Collaborate with relationship managers and other teams to support business development and risk management.

• Display exemplary conduct and live by the Group's Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Lead the India/WRB/Medium Enterprises/Chennai/Credit Analyst to achieve the outcomes set out in the Bank's Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.] *
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• RBI/SEBI prescribed responsibilities and Rationale for allocation].

• Bachelor's or Master's degree in Finance, Accounting, or a related field
• Strong analytical and financial modeling skills
• Proficient in financial analysis software and tools
• Exceptional communication and presentation skills
• Ability to work independently and as part of a team
• Attention to detail and strong work ethic

• Credit Analysis
• Ratio Analysis
• Deal Structuring
• Risk Identification and Mitigation
• Customer Delight
• Policy and Compliance

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Standard Chartered