Credit Analyst, CIB Indonesia

The Role Responsibilities

Credit Analysis role for segment of Corporate, Commercial and Institutional Banking

Strategy

• Actively support in the delivery of CCIB Indonesias Income growth ambition

Business

• 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 b) preparing & presenting work-shopping note and c) expediting approvals. Coordinate and prepare for credit meetings. Liaise with GAM Credit for limit approval/allocation.

Processes

• Responsible for end-to-end BCA process using tools like CreditLens, CRMX, Raptor, Scorecard, etc and perform in-depth analysis of various risks, make quality presentations and ensure fast credit approval Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes. Ensure timely submission of quality Quarterly Credit/ Performance Reports. Review reports from various tools – like Fraud Risk Analytics, Credit Analytics etc. Monitor Risk Triggers, Covenants and other credit conditions and report appropriately. Ensure Zero BCA and CaRT over dues. Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries. 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 put in EAR as per the bank’s policies and guidelines. Work with RM on account management with stressed asset team. Embed usage of Credit Risk Analytics and Credit Analytics Framework. Ensure portfolio is maintained with high quality – both, from credit risk and hygiene perspective.

People & Talent

• Lead by example and set an appropriate tone about required standards of conduct and management of operational effectiveness. Projecting good team spirit by volunteering to assist in BCA preparation for other team members whenever additional help is needed. Become a catalyst for change - review, challenge and improve existing processes and practises to help transform the CCIB organisation to a high performing outfit. Maintain professional interactions with stakeholders and highlight potential conduct and behaviour issues in a fair, open, transparent and timely manner. Ensure all mandatory e-learnings are completed on time

Risk Management

• Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the BCA/ Regulatory checklist, other special reporting requirements, etc.

Governance

• Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the BCA/ Regulatory checklist, other special reporting requirements, etc.

Regulatory & Business Conduct

• 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 Credit Analyst Team 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.

Key stakeholders

External

• Clients,
• Legal firms, Accountants etc.

Internal

• Credit
• Relationship Manager
• Product Teams
• Other stake holders (FM/TB/IMO/Audit etc.)

Other Responsibilities

• Embed Here for good and Group’s brand and values in Credit Analyst Team; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats);

Our Ideal Candidate

• The Credit analyst is expected to complete all e-learnings and certifications applicable to the role within defined timelines.

Role Specific Technical Competencies

Credit Analysis & Monitoring

• Ability to analyse credit (incl. financial analysis) and monitor accounts closely to ensure – (i) fast turn around on deals and (ii) no slippages / impairments.

Effective Communication

• Both oral and written in a clear and concise manner as job involves proposal writing and presenting to various stakeholders.

About Standard Chartered

Were an international bank, nimble enough to act, big enough for impact. For more than 160 years, weve worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If youre looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents. And we cant wait to see the talents you can bring us.
Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, youll see how we value difference and advocate inclusion. Together we:

• 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
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations
• Time-off including annual, parental/maternity (20 weeks), sabbatical (12 weeks 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.

Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role youve applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers