Job Summary

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.
Responsible for end-to-end BCA process using all the tools like Credimate , etc and perform, in-depth analysis of various risks, make quality presentation and ensure rapid credit approval.
Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the BCA/ Regulatory checklist, other special reporting requirements, etc.
Liaise with Credit for limit approval/allocation.
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
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 Anlytics Framework.
Ensure portfolio is maintained with high quality – both, from credit risk and hygiene perspective.
Display exemplary conduct and live by the Group’s Values and Code of Conduct.
Ensure adequate and appropriate systems and controls are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk type

📌 Credit Analyst (Kolkata)
🏢 Standard Chartered India
📍 Kolkata