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Job Summary

International Corporates ("IC") is a crucial business vertical within Corporate & Investment Banking ("CIB"). They not only manage Bank's relationships with large corporations but they also assist to overcome challenges our clients may face and help them meet their financial and business objectives.

Credit Analyst is part of the relationship team within the IC business. The role of Director requires self driven candidate who will actively engage with Coverage/Global Account Manager and risk approvers on preparation of the full credit application package covering limit proposal and all relevant risk types (credit risk, fraud risk, sanction risk, sustainability/climate risk, transaction risk, etc.). This also involves ongoing risk monitoring responsibilities. The candidate will work closely with the wider credit analysts team, coverage, product partners and Risk team within the Bank's policy framework.

Key Responsibilities

Origination
• 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 obtaining all pre clearances; preparing & presenting work-shopping note and expediting approvals.
• Responsible for end-to-end credit assessment process using various internal frameworks and policies around Credit risk, return calculations, Scorecard,



Environment & Social Risk Management, Climate Risk, Reputational Risk Assessment etc. and perform, in-depth analysis of various risks, make quality presentation and ensure fast credit approval.
• Ensure compliance of all internal and regulatory, credit/other portfolio related policies e.g. preparing the credit note/ Regulatory checklist, other special reporting requirements, etc.
• Coordinate and prepare for credit meetings
• Liaise with Credit for limit approval/allocation.

Post Deal Account monitoring
• Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with documentation exceptions, Early Alert ("EA") processes.
• Ensure timely submission of quality Annual Reviews of borrowing clients, 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 credit note and covenant / risk trigger over dues.
• Liaise with Credit on credit proposals and other credit issues and ensure quick turnaround on queries.
• Proper maintenance of Credit files and ensuring Audit ready at any time

• Attend EA/Portfolio calls along with the RMs
• In partnership with the RMs,



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
• Ensure portfolio is maintained with high quality - both, from credit risk and hygiene perspective.
• Conduct leveraged lending/ other assessments in line with regulatory requirements that the Bank have to meet locally as well as globally

Others
• Prepare timely Stress Tests wherever required
• Prepare specific industry study
• Prepare Credit Opinion reports wherever required.
• Effective use of internal systems and other technology tools
• Be prepared to do any other activity which might be required from job perspective

Strategy
• Understanding of Bank's and Business Unit's strategy as required in the role.

Business
• Awareness and understanding of the wider business, economic and market setting in which the Group and business unit operates

Processes
• Follow the processes and guidelines as prescribed for the role. Process improvement/ simplification suggestions are welcome.

People & Talent
• Team player working in interest of the group and business unit.

Risk Management
• Critical for the role as defined under Responsibilities section

Governance
• Ensure actions are in line with extant group and regulatory policies & guidelines.

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 an

📌 Director - Credit Analysis- Indian conglomerate & Large Corporates (Mumbai)
🏢 Standard Chartered Bank
📍 Mumbai