Credit Analyst Team Leader

Credit Analyst Team Leader

Monitor portfolio quality and facilitate smooth functioning of business with risk Ensure timely login Co-ordinate for timely approvals Train analysts on due diligence Ensure adequate BCA quality Compliance of regulatory and governance requirements Manage portfolio quality through timely completion of QPR CART Valuations UFCE undertakings etc
Credit Process
• Ensuring that the quality of Limit Applications BCAs meets Group standards particularly with regards to the completeness and depth of risk analysis
• Approving BCAs falling within own discretion and support of applications that require approval outside the delegated credit authority where appropriate Highlighting Approving breaches of applicable Risk Authorities Policy and Local Lending Policy
Portfolio Management
• Ensuring compliance with all credit policy and Risk Authorities Policy and any divergence to be appropriately highlighted approved
• Ensure EAR process is adhered to and participate in the monthly EAR ASTAR discussions
• Assisting relationship managers in identification and managing of accounts exhibiting signs of deterioration and assist Group Special Assets Management where appropriate in managing stressed accounts to maximise recoveries and minimise losses
Business Contribution
• Increasing working profits through effective management of the loan asset portfolio in order to help develop the franchise in a sustainable way and minimise provisions
• M Maximizing Economic Revenue and minimizing Economic Loss through effective management of the risk reward relationships Maintaining credit quality and standards of professionalism for the risk function Ensure effective implementation of Group Policies Circulars Procedures
Stakeholder Management
• Actively engage all stakeholders eg Business partners to raise their awareness of credit issues and how these are managed by the Credit Risk function
• Ensure that Credit Risk decisions are transparent and supporting rationales are explained in a professional and courteous manner especially when turning down proposals
Operational Risk Management Assurance ORMA
• Ensure compliance to the ORMA framework self-assessments KRIs KCSs etc and reporting
• Ensure full awareness of all the policies procedures issued in relation to money laundering prevention Ensure compliance with these policies procedures on an ongoing basis and immediately report any deviations to the Supervisor
Risk Management Governance
• Monitor all major risk issues and concentrations Where appropriate direct remedial action and or ensure adequate reporting to Risk Committees Promote an environment where compliance with internal control functions and the external regulatory framework is a central priority of the business 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 Lead the work to achieve the outcomes set out in the Bank s 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