Credit Analyst - Commercial Banking
Standard Chartered
Nairobi, Kenya
13h ago

About Standard Chartered

We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.

To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours -

do the right thing, better together and never settle - as well as our brand promise, Here for good.

We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation.

This in turn helps us to provide better support to our broad client base. The Role Responsibilities

Business Origination

  • Interact with the clients, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
  • Work with RMs / product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
  • Work with the RM, in a) obtaining pre-clearances where applicable, segmentation, etc. b) preparing & presenting work-shopping note and c) expediting approvals.
  • Responsible for end-to-end BCA process including preparing all the tools like Raptor, ESRAT, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
  • Ensure compliance of all internal and regulatory credit / other portfolio related policies e.g. preparing the Country portfolio standard checklist, other special reporting requirements, etc.
  • Liaise with GAM Credit for limit approval / allocation.
  • Seek necessary approvals for excesses in the accounts.
  • Risk Management Monitoring

  • Monitor quality of the portfolio by tracking Excess / past dues, strictly complying with ASTAR, EAR processes.
  • Ensure timely submission of quality Quarterly Credit Reports
  • Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
  • Ensure Zero BCA 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 call / MTM calls along with the RM
  • In partnership with the RM, ensure timely identification of accounts to be put in EAR as per the bank’s policies and guidelines
  • Governance

  • Remain alert to the risk of money laundering and assist in the Bank’ 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.
  • 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.

  • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
  • Key Stakeholders Internal

  • Credit Risk Management
  • RMs / ARMs
  • Other stake holders (FM / TB / IMO)
  • External

  • Clients / Trade associations,
  • legal firms, Accountants etc
  • Other Responsibilities

  • Prepare timely Stress Tests wherever required
  • Prepare specific industry study wherever required
  • Prepare Credit Opinion reports wherever required
  • Our Ideal Candidate

  • A Degree in Business / Commerce / Economics is preferred however a degree in a science or other related field where analytical skills are gained is acceptable.
  • ACCA / CPA qualifications are an added advantage
  • Apply
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