Credit Analyst, CCIB Indonesia

Date Posted: Posted30+ hari yang lalu

Salary:

Jakarta

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Job Description

Job: Institutional Banking Primary Location: Asia-Indonesia-Jakarta Schedule: Full-time Employee Status: Permanent Posting Date: 04/Nov/2021, 11:49:47 PM Unposting Date: Ongoing 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

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 like PSR memo, segmentation, etc.
- preparing & presenting work-shopping note
- expediting approvals
Responsible for end-to-end BCA process including preparing all the tools like Raptor, 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, Temasek check, other special reporting requirements, etc.
Liaise with GAM Credit for limit approval/allocation
Work closely with the Credit teams to improve service turnaround time and to strengthen the control on credit related issues

Processes

Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes
Support the framework for effective management of credit and operational risks across the Business and compliance with applicable internal policies, and external laws and regulations
Support the execution of Business strategy in a safe and well-controlled manner and on an end-to-end basis – incorporating infrastructure requirements and ensuring that they are fit-for-growth
Ensure Credit Certification completion as per Bank’s standard
Embed the Group’s values and culture to the highest standards of integrity and conduct in line with the Bank’s Code of Conduct

Risk Management

Understand the risk and control environment in their area of responsibility and drive rectification as required
Be the first line of defence
Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes
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
Prepare EAR for clients included in EA for closer monitoring
In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank’s policies and guidelines
Prepare timely Stress Tests wherever required
Prepare specific industry study
Risk appetite is clear and integral to the strategy with appropriate controls
Effective processes in place to identify, manage, monitor and report risk

Governance

Ensure adherence with the relevant policies and processes, including
- Anti Money laundering (AML) and all applicable money laundering prevention procedures
- Client Due Diligence & Related Periodic Reviews
- Client Suitability Standards
- Treating Customers Fairly
- Approval & review of Credit Applications
- Maintain Documentary standards
- Data Confidentiality
- Cross-Border Policy
- Sanctions
- Environmental and Social Risk Management (ESRM)
- Anti-Bribery and Corruption (ABC)
- Gift and Entertainmen

Embed the Group’s values and code of conduct to ensure adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture
Engage with all audit report findings and ensure feedback is acted upon

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.
Achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

Internal:

Relevant CCIB colleagues
Colleagues in Product, Risk, Compliance, HR and other Functions and Businesses

External:

Key Clients
Relevant external parties (e.g. regulatory bodies, industry bodies)

Other Responsibilities

Embed Here for good and the Group’s brand and values
Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures
Work effectively across SCB, using valued behaviours to drive overall business growth

Our Ideal Candidate

Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations
Sound product knowledge on trade, cash, lending and FX and strong understanding of local industries, supply/value chains and market environment
Knowledge of operational procedures, documentation requirements, banking practices and regulations related to CCIB
Outstanding communication and presentation skills, including writing Business Application or proposals

Apply now to join the Bank for those with big career ambitions. To view information on our benefits including our flexible working please visit our career pages. We welcome conversations on flexible working.

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Job Detail

Job Id

354ed92dd8df41a4
Location

Jakarta
Company

Standard Chartered
Type

Private
Employment Status

Permanent
Positions

Available
Career Level

Experience
Gender

Male/Female