Credit Analyst - SME ME

• Client & Sales Management. Work Closely with RM in preparation of briefing notes, Sales pitches etc.
• Ensure smooth & efficient post deal documentation & client onboarding. Ensure post original process & documentation is completed on time by liaising with stakeholders.
• Quality engagement with client to ensure highest rating in Client surveys. Effective management of Excess & Past Dues, Work closely with CDD to ensure timely renewals & also with the portfolio & OR team to ensure high quality of portfolio.
• Adherence to all aspects of policy and procedure. Full adherence to Credit Admin Framework and all related aspects. Fully adopt Early Warning System to strengthen risk monitoring. Assist with co-management of stressed accounts with GSAM to reduce impairments and strengthen recovery effort.
• Managing risk and compliance as part of my role. Take personal responsibility for understanding the risk and compliance requirements of my role. Understand and comply with applicable laws and regulations, the Groups policies, procedures and the Group Code of Conduct. Effectively identify, escalate, mitigate and resolve risk and compliance matters. Contribute to a culture in which all stakeholders feel safe to raise concerns and where risk and compliance matters are addressed and misconduct appropriately dealt with
• Maintaining Audit quality. Quick turnaround on Credit Requests. Embed usage of Credit Risk Analytics. Ensure full adherence to Group Code of conduct. Contribute to a culture in which all stakeholders feel safe to raise concerns and where risk and compliance matters are addressed and misconduct appropriately dealt with.

• 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.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

• Credit Risk Assessment
• Financial Analysis
• Communication Skills

• 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.

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