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Credit Analyst

Standard Chartered Bank

0 - 170 years

0 Lacs

Gandhinagar, Gujarat

Posted:23 hours ago| Platform: Indeed logo

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Skills Required

analysis presentation compliance portfolio reporting gam tracking reports risk analytics report maintenance audit management code ethics regulations resolve controls technology finance data nimble drive diversity integrity learning support development

Work Mode

On-site

Job Description

Job ID: 34526

Location: Gandhinagar, IN

Area of interest: Retail Banking

Job type: Regular Employee

Work style: Office Working

Opening date: 15 Jul 2025

Job Summary

SCB GIFT City is an offshore booking location (OBL) located at GIFT City, Gandhinagar, Gujarat. Branch has more than 110 BCA clients from CCIB and CPBB segments. This profile is for Credit Analyst position at SCB GIFT City branch

Key Responsibilities

Strategy

To grow business of the branch with good quality portfolio

Business

Interact with RM/ 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 a) obtaining all pre clearances b) preparing & presenting work-shopping note and c) expediting approvals.
Responsible for end-to-end BCA process using all the tools like Creditlens, RMWB, Raptor, Scorecard, etc and perform, in-depth analysis of various risks, make quality presentation and ensure fast credit approval.
Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the BCA/ Regulatory checklist, other special reporting requirements, etc.
Coordinate and prepare for credit meetings
Liaise with GAM Credit for limit approval/allocation.

Processes

Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.
Ensure timely submission of quality Quarterly Credit/ Performance Reports
Review reports from various tools – like Fraud Risk Analytics, Credit Analytics etc.
Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
Ensure Zero BCA and CaRT 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 calls along with the RMs
In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank’s policies and guidelines
Work with RM on account management with stressed asset team
Embed usage of Credit Risk Analytics and Credit Analytics Framework.
Ensure portfolio is maintained with high quality – both, from credit risk and hygiene perspective.

Risk Management

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.

Governance

Ensure adequate and appropriate systems and controls are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Operational Risk, Technology and Operations, Finance and Reputation
Ensure own and team’s 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)
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.
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Lead 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.] *
Serve as a Director of the Board
Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent)

Key stakeholders
Internal

Credit
Relationship Manager
Other stake holders (FM/TB/IMO/Audit etc)

External

Clients / Trade associations,
legal firms, Accountants etc

Other Responsibilities

Prepare timely Stress Tests wherever required
Prepare specific industry study
Prepare Credit Opinion reports wherever required.
Effective use of Creditmate & RMWB
Be prepared to do any other activity which might be required from job perspective

Skills and Experience

MS office applications

Qualifications

Substantial experience in the banking industry, including demonstrated success in a similar role.
Must possess sharp business acumen (including ability to assess risk and appropriate levels of return), excellent interpersonal skills and multi-cultural awareness and sensitivity.
Ability to work with geographically dispersed and highly varied stakeholders
At least 7-8 years of relevant experience in credit analysis

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:

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

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.

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.

www.sc.com/careers

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Credit Analyst