Job Description

Job: Retail Banking

Primary Location: Asia-Singapore-Singapore

Schedule: Full-time

Employee Status: Permanent

Posting Date: 16/Feb/2023, 12:36:11 PM

Unposting Date: 02/Mar/2023, 11:59:00 PM

Role Responsibilities Purpose

• As a successful Credit Analyst, you will partner the team\'s two key stakeholder communities, Sales & Relationship Management and Risk, to deliver credit and product solutions. There will be emphasis on credit report writing as well as risk analysis and due diligence. Your daily job would include:
• To partner with Relationship Managers in pursuing their client strategies through proactive idea generation, support in preparing materials for client discussion and through discussion on key risk aspects. Accompanying Relationship Managers on client visits, as part of general due diligence in respect of credit analysis.
• To partner with Risk through clear presentation of credit proposal, as well as through proactive discussion of key risk aspects.
• To provide insightful, relevant, succinct, and timely credit analysis of a portfolio of SCB\'s clients, current or prospective.
• Documentation support on credit aspects and working with Legal Documentation Unit where applicable.
• Proactive monitoring of key entity or industry wide events and/or developments, as well as of covenants and risk triggers where applicable.
• Support Team Manager and others in the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the team\'s activities.
• Contribute towards achieving team\'s overall target and delivering optimal portfolio return.
• Collaborate and build effective partnerships with other Credit Analysts, Relationship Managers, Team Managers, Segment Heads, as well as colleagues in CDD teams and partners in Risk, Compliance, other support functions, and Product.

Business

• Prepare credit proposal and loan application of customers; prepare annual review on timely basis.
• Work closely with credit team to ensure good quality lending decisions are made; to ensure the strict adherence to the prevailing EAR / credit policy.
• Implement agreed business plan, contributing towards team\'s overall deliverables.
• Regularly feedback to Team Manager and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes.
• Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct.

Processes

• Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.
• Support the framework for effective management of operational risks across the Business and compliance with applicable internal policies, and external laws and regulations at a global level.
• Support the execution of Business strategy in a safe and well-controlled manner and on an end-to-end basis - incorporating infrastructure requirements and ensuring that they are fit-for-growth.
• Follow and comply with AML CDD policies and procedures where applicable.
• Identify KYC issues, provide solution or escalate to line manager if necessary.
• Ensure internal / external KYC requirements are adhered to AML CDD policies and procedures.
• Timely handling of customer issues, complaints, and product enquiries in accordance with established procedures.

People and Talent

• Embed the Group\'s values and culture.
• Coach peers and more junior staff as appropriate.
• Partner effectively with internal stakeholders to deliver effective client solutions.

Risk Management

• Abide by appropriate frameworks to guarantee that business is carried out within the Group\'s risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders.
• Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk Management (ESRM).
• Abide by the Group\'s values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes, and regulations among employees.
• Ensure that Risk Management matters that are brought to the job holder\'s attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees.
• Do what is right to avoid reputational risks and operational losses.

Governance Ensure relevant systems and controls pertaining to the role remit are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Operational Risk, Technology and Operations, Finance and Reputation Ensure adherence with the following Regulatory Compliance policies and processes (as is applicable):

• Anti-Money Laundering (AML) and all applicable money laundering prevention procedures
• Client Due Diligence & Related Periodic Reviews
• Client Suitability Standards
• Treating Customers Fairly
• Approval & review of Credit Applications
• Maintain Documentary standards
• Data Confidentiality
• Cross-Border Policy
• Sanctions
• Environmental and Social Risk Management (ESRM)
• Anti-Bribery and Corruption (ABC)
• Embed the Group\'s values and code of conduct to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture.
• Engage with all audit report findings and ensure feedback is acted upon.

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 Business to achieve the outcomes set out in the Bank\'s Conduct Principles. Fair Outcomes for Clients, Effective Operation of Financial Markets, Financial Crime Prevention, The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders Internal

• Colleagues in BB and CDD teams, Product, Risk, Compliance and other support Functions and Businesses

External

• Key clients

Other Responsibilities

• Embed Here for good and the Group\'s brand and values.
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
• Work effectively across SCB, using values behaviours to drive overall business growth.

Our Ideal Candidate

• Degree in Accountancy, Banking & Finance, Business Management, Economics or comparable.
• 2 + years of relevant work experience in Business Banking/Commercial Banking/Corporate Banking.
• Strong analytical ability focused on the assessment and calibration of credit risk.
• Strong verbal and written communication skills (in English), with proven ability to work across cultures and within a dynamic environment.
• Good understanding of financial statement analysis and banking products such as trade, lending, FX etc.
• Team player with a can-do attitude.

Role Specific Technical Competencies

• Account Management for business/ commercial/ corporate clients
• New to Bank Acquisition
• Financial Statement Analysis
• Credit Analysis and Verification
• Knowledge of Customers
• Addressing Customer Needs - Trade, Cash, Lending and FX products and processes
• Analytical Thinking
• Industry Knowledge
• Problem Account Management Process
• Risk Management

About Standard Chartered

We\'re an international bank, nimble enough to act, big enough for impact. For more than 160 years, we\'ve 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 you\'re 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 can\'t 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, you\'ll 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 you\'ve 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. -

Additional Information

Career Level

Not Specified

Qualification

Not Specified

Job Type

Full-Time

Job Specializations

,

Company Overview

Standard Chartered is a leading international bank, with more than a 150-year history in some of the world\'s most dynamic markets. We bank the people and companies driving investment, trade and the creation of wealth across Asia, Africa and the Middle East.

With more than 1,100 branches and offices in 68 countries, we offer exciting and challenging international career opportunities.

Additional Company Information

Registration No.

201224747C

Company Size

More than 5000 Employees

Average Processing Time

30 days

Industry

Banking / Financial Services

Singapore Post