Job Description

Role Responsibilities

• Responsible for assessing credit requests and producing a recommendation after undertaking a thorough analysis of a variety of factors and careful analysis of a client\xe2\x80\x99s financial information, including income statements, cash flow history, current debt, and tax forms.
• Responsible for evaluating the credit worthiness of potential borrowers via the underwriting of borrower financial statements, collateral coverage, and guarantor support.
• Gathers financial information about organizations and individuals, such as valuable properties, income, savings, debts and payment history, give recommendations on whether it is safe to approve a loan or reduce a credit line

People & Talent

• Lead through example and build the appropriate culture and values.

Risk Management

• Perform due diligence on the procedure involves evaluating the risks that businesses involved in loan financing are likely to experience by initiating background research on the retail or commercial customer

Governance

• In the event of serious regulatory breaches, policy breaches or where credit appetite have been breached, ensure senior management are informed and that actions are taken quickly to remediate and/or activities are ceased

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group\xe2\x80\x99s 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 Credit Risk Ops team to achieve the outcomes set out in the Bank\xe2\x80\x99s Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• Support the Credit Initiation Procedures provide a standard framework to countries for developing and deploying credit initiation processes with an objective of optimizing efficiency without impacting credit quality.

Key stakeholders

• Retail Risk Operation- Credit representatives in group and country

Other Responsibilities

• Live Here for good and Group\xe2\x80\x99s brand and values in Credit Initiation
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures

Our Ideal Candidate

• Commerce, Mathematic or finance related qualification.
• Fresher OR 6 months to 2 years of relevant work experience or knowledge of the lending related activities/ documentation
• Read financial briefings related to the borrower to the company
• Interpret, analyse and assess all forms of complicated financial information
• Embark on risk assessment analysis
• Maintain the credit exposure within certain risk level with set limit in mind
• Assist the company in enhancing quality of service delivery relating to credit applications

Role Specific Technical Competencies

• Knowledge of Lending Product
• Knowledge of MS Office
• Communication Skill
• Credit Analytical Skill

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.

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