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Credit Analyst At Standard Chartered Bank

Date Posted: 11/Dec/2013
Deadline: Not Specified

Job description



•Responsible for assessing credit risk of assigned portfolio of SME BANKING with a view to minimizing loss and maximizing Risk Adjusted Revenues.
•Product management & development of SME portfolio. 

Key Roles & Responsibilities

•To analyse customers risk using credit skills, ratio analysis, cash flow projections using CreditMate platform, evaluation of parent support policies, credit grading and judgement of management and strategy.
•To jointly structure facilities with Relationship Managers to meet individual client’s needs with a view to maximizing earnings and minimizing risk and bad debts.
•To understand customer needs and inherent credit risk and act upon them.
•To carry out research work and analyse market information so as to counter competitive pressures.
•To ensure that all credit conforms to Group and Local Credit Policy.
•Monitoring of credit quality and risk with the Relationship Managers and SCS Team by highlighting early warning signs of credit deterioration.
•Maintenance of Corporate database e.g. spread.
•Obtaining and analysis of financial statements and raising appropriate concerns.
•Recommending minimum pricing ranges/risk margins using scorecard Methodology. 
•Regular review of credit worthiness of clients using credit grading techniques
•Train attached staff in order to assist in meeting customer requirements and to increase their efficiency, competency and productivity
•Product management & monitoring of SME portfolio.
•Ensure you remain alert to the risk of money laundering and assist in the bank’s efforts in combating it by adhering to the key principles in relation to: Identifying your customer, knowing your customer, reporting suspicions, safeguarding records and not disclosing suspicions to customers. 

Qualifications & Skills

a)KNOWLEDGE: 
•Minimum qualification 1st degree plus professional qualification CA/ACCA/CIMA/CIS and any other relevant diplomas/degrees.
•Full CSAP within a year of moving into the role
•A good understanding and analysis of financial statements, cash flows and their impact on businesses.
•An in-depth knowledge of advanced lending techniques, Group products, trade finance, investment instruments and of Bank’s policy, rules and procedures. 
•Good knowledge of business conditions, banking and Commercial Law.

b) EXPERIENCE: 
•At least 2 years lending experience in responsible positions.
•Expertise in credit structuring, evaluating risk, financial analysis and industry analysis.
•Strong lending, negotiating and decision making ability.

In compliance with the National Youth Service Corps (NYSC) Act of 2004, all applicants should ensure that they have completed the mandatory NYSC programme. A discharge certificate will be required as evidence of completion of the programme. Where an exemption has been granted, a certificate of exemption will also be required. 

Diversity & Inclusion

Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.

Method of Application

Interested and qualified? Click the Apply now button to send your application

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