This job offer is not available in your country.
Credit An'yst
ConfidentialBengaluru / Bangalore, India9 days ago
Job descriptionSupport the CCIB Client Coverage team for Credit Analysis and other Client Risk activities. Responsible for evaluating the financial performance of corporate clients by understanding and spreading financial statements in standard templates, analysing economic conditions and industry trends, comparing counterparty performance relative to peers, client strategy and management assessment, incisive financial statement analysis using financial ratios, templates and models, complete covenant compliance, financial projection, peer analysis, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and providing a near term outlook and credit recommendation. Responsible for the accuracy of internal risk ratings and inputting financial and economic data in rating system. Working closely with onshore Analysts and credit officers in respective regions to evaluate risk and to monitor a client portfolio. Responsible to research, write and present financial and industry analysis impacting credit decisions and submit the documents for approval. Analysing and spreading the financial statements on credit lens. Participate in process improvement initiative of the team. Lead through example and build the appropriate culture and values in respective team. Set appropriate tone and expectations from their team and work in collaboration with stakeholder. Ability to apply sound judgement with critical thinking skills Ability to independently drive initiatives with minimum hands-on supervision and collaborate with other resources in the team to deliver for the task 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. In country Credit Analysis team Good conceptual knowledge on accounting fundamentals. Good knowledge on financial and banking products. Good understanding of rating methodologies Bloomberg and Reuters functional knowledge. Result Orientation Client Focus Contribution to Strategy People Development Change leadership Cooperation Team Leadership Master's degree in Business / Finance / Accounting and / or professional certifications such as : CA / CFA / CPA or equivalent International CFA or equivalent MBA (Finance) from reputed (Tier 1 or Tier 2 institutes) Relevant experience in credit analysis and credit support roles in the CCIB or Global Banking Sector (minimum of 3 years in Credit Analyst roles) Education certifications or qualifications are not mandatory if proven track record and sound knowledge gained by considerable experience in similar roles in other Banks or financial institutions or credit rating organisations Knowledge of banking products, associated risks and relevant processes gained either in banking, treasury or accounting roles in in the financial sector Ability to hold dialogues with clients and external stakeholders as well as internally across all levels. Ability to deal with competing demands and multiple priorities within strict timelines. Proven ability to operate across cultures and within a diverse workforce Ability to working in dynamic environment with a robust transformation agenda Excellent oral & written communication and presentation skills Risk & Credit Underwriting Analytical Skill, including an understanding of key financial components with the ability to identify root causes and trends. Knowledge of financial statements and GAAP accounting or similar governance relating to country of operation Industry research capabilities including risk and key drivers Written and Verbal communication skill with the ability to communicate clearly and concisely to audiences Proficient Microsoft Office (Word, Excel and PowerPoint) skill 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 Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental / maternity (20 weeks), sabbatical (12 months 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.
Job Summary
Credit & Client Risk Management ('CCR') is an integral part of the CCIB. The CCR mandate is to deliver best in class credit analysis, monitoring and credit administration work to Stakeholder. The role is responsible for conducting a thorough and comprehensive credit assessment of counterparty's credit profile, proposing internal corporate rating, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department.
Key Responsibilities
Conducting a thorough and comprehensive credit assessment of counterparty's credit profile, proposing internal corporate rating, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department. Also involves continuous monitoring of credit profile and OR.
Strategy
- Inline with CCIB and Group Strategy.
Business
Processes
People & Talent
Regulatory & Business Conduct
Key stakeholders
Other Responsibilities
Functional –
Behavioural –
Skills And Experience
Role Specific Technical Competencies
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 170 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
What We Offer
In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
Skills Required
Bloomberg, GAAP Accounting, Credit Analysis, Financial Statement Analysis
Create a job alert for this search
Credit • Bengaluru / Bangalore, India
Related jobs
Talent Worx is a growing services & recruitment consulting firm, we are hiring for our client which is a leading Big4 Consulting firm and provider of financial intelligence, data analytics, and...Show moreLast updated: 30+ days ago
The Credit Review Senior Consultant will work within the Credit Review team, serving as a third line of defense.The team independently verifies and validates credit underwriting and lending process...Show moreLast updated: 30+ days ago
- Promoted
Credit Analysis / Review Large-Mid corporates (Bangalore)
Acuity Knowledge PartnersBengaluru, Karnataka, India Acuity is currently looking for dedicated and motivated individuals who have strong leadership, organizational and teamwork skills for its Lending Services team based in Bangalore.Notice Period : Im...Show moreLast updated: 30+ days ago
- Promoted
Credit Analysis - Bangalore
Acuity Knowledge PartnersBengaluru, Karnataka, India Good knowledge of credit or equity risk fundamentals, solving for what creates risk for an obligor.Experience in writing reports crisply and analyzing Corporates or SMEs.
Experience in risk rating a...Show moreLast updated: 30+ days ago
Business Analyst - (Wholesale Credit & Lending Services / Investment Banking)
Talent WorxBengaluru, KA, INQuick Apply
- Promoted
Credit Monitoring
Birla PivotBengaluru, Karnataka, India Portfolio monitoring include but not limited to daily / weekly monitoring of updates on all.Taking timely & appropriate action basis the changes.
Preparation of scorecard and testing of the same.Und...Show moreLast updated: 8 days ago
- Promoted
Credit Analysis / Review (Sr. Associate / Delivery Lead)
Acuity Knowledge PartnersBengaluru, Karnataka, India Acuity is currently looking for dedicated and motivated individuals who have strong leadership, organizational and teamwork skills for its Lending Services team based in Gurgaon.Notice Period : Imme...Show moreLast updated: 30+ days ago
- Promoted
Senior Credit Analyst
Alphastream.aiBengaluru, Karnataka, India As a Senior Credit Analyst, you will manage and grow a team of skilled credit analysts, ensuring high-quality, accurate data delivery.
You will collaborate closely with cross-functional teams, inclu...Show moreLast updated: 30+ days ago
- Promoted
Cluster Manager
QuanteanNelamangala, Karnataka, India Appraise loan proposals & meet customers.Lead & motivate Sales Officers & sourcing agents.Plan monthly marketing activities & drive business.
Ensure team productivity targets are achieved.Manage del...Show moreLast updated: 5 days ago
- Promoted
HR Compliance
Tata ElectronicsKolar, Karnataka, India Tata Electronics Private Limited (TEPL) is a greenfield venture of the Tata Group with expertise in manufacturing precision components.
Tata Electronics (a wholly owned subsidiary of Tata Sons Pvt.I...Show moreLast updated: 25 days ago
- Promoted
Sales Executive
GMN ConcreteNelamangala, Karnataka, India GMN Concrete specializes in the production of high-quality Ready-Mix Concrete since 2018.Our goal is to deliver concrete of the highest standards with exceptional customer service for various const...Show moreLast updated: 17 days ago
- Promoted
- New!
Credit Risk Analyst - SAS
Om CareersBangalore We're looking for a highly analytical Credit Risk Analyst for a IT big 4 company.The ideal candidate will be instrumental in developing, implementing, and monitoring our credit risk models and...Show moreLast updated: 7 hours ago
- Promoted
Unit-Level Traceability Technical Expert – OSAT
Tata ElectronicsKolar, Karnataka, India Tata Electronics (a wholly owned subsidiary of Tata Sons Pvt.India’s first AI-enabled state-of-the-art Semiconductor Foundry.
This facility will produce chips for applications such as power manageme...Show moreLast updated: 8 days ago
- Promoted
Credit reporting / Annual reviews- Leadership level
Acuity Knowledge PartnersBengaluru, Karnataka, India Acuity Knowledge Partners (Acuity) is a leading provider of bespoke research, analytics and technology solutions to the financial services sector, including asset managers, corporate and investment...Show moreLast updated: 30+ days ago
- Promoted
Senior Associate Credit
Castellan Real Estate Partnershosur, tamil nadu, in Job Description : Senior Associate Credit.We are seeking a motivated and detail-oriented.The successful candidate will have 7-8 years of relevant credit experience and will work closely with the US ...Show moreLast updated: 17 days ago
- Promoted
Credit reporting / Annual Reviews
Acuity Knowledge PartnersBengaluru, Karnataka, India Credit Rating / Analysis (Associate / Sr.Associate / Delivery Lead / Manager).Job location- Bengaluru (WFO mode).We are looking for a passionate, energetic individual to join our Lending Services divis...Show moreLast updated: 30+ days ago
- Promoted
Consultant Expert - Credit Analysis, Credit Limits, Credit Rating (Mutual / Hedge Funds)
Societe Generale Global Solution CentreBengaluru, Karnataka, India The role of RISQ / RMA / HPC team, as second line of defense within the Risk Function, is to provide Counterparty Credit Risk (CCR) management for funds (hedge funds, mutual funds, funds of hedge funds...Show moreLast updated: 19 days ago
- Promoted
Credit Analyst - Arbitrage Desk
People Realm Recruitment Services Private LimitedBengaluru, Karnataka, India Credit Analyst – Investment Research & Analytics.Client : A Quant-Forward Discretionary Investment Management Firm.Desired Years of Experience - 2- 5 Years.
With a strong culture of intellectual curi...Show moreLast updated: 19 days ago
- Promoted
Private Credit Analyst- Investment Management
Voya IndiaBengaluru, Karnataka, India VOYA INDIA, formerly known as VFI SLK, is a technology-driven, business process transformation company, driving the evolution of the financial services customer experience through the art of techno...Show moreLast updated: 30+ days ago
- Promoted
Credit Analyst
Birla PivotBengaluru, Karnataka, India Conduct comprehensive credit analyses and assessments to evaluate borrower credit worthiness, support informed lending decisions, and ensure the maintenance of a high-quality books of accounts.Anal...Show moreLast updated: 8 days ago
- Promoted
Varthana Finance - Assistant Manager - Internal Audit
VARTHANA FINANCE PRIVATE LIMITEDBangalore, India The Assistant Manager - Internal Audit will plan and execute risk-based audits across the education loans portfolio (school / student loans), covering end-to-end lifecycle : sourcing, underwriting, do...Show moreLast updated: 30+ days ago
Credit Review Consultant - Sr
Saaki Argus & Averil ConsultingBangalore Rural, Karnataka, IndiaQuick Apply