Credit Analyst, CIB Indonesia

Role Responsibilities Credit Analysis role for segment of Corporate, Commercial and Institutional BankingStrategy Actively support in the delivery of CCIB Indonesia's Income growth ambition 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 a) obtaining all pre clearances b) preparing & presenting work-shopping note and c) expediting approvals. Coordinate and prepare for credit meetings. Liaise with GAM Credit for limit approval/allocation. Processes Responsible for end-to-end BCA process using tools like CreditLens, CRMX, Raptor, Scorecard, etc and perform in-depth analysis of various risks, make quality presentations and ensure fast credit approval 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. People & Talent Lead by example and set an appropriate tone about required standards of conduct and management of operational effectiveness. Projecting good team spirit by volunteering to assist in BCA preparation for other team members whenever additional help is needed. Become a catalyst for change - review, challenge and improve existing processes and practises to help transform the CCIB organisation to a high performing outfit. Maintain professional interactions with stakeholders and highlight potential conduct and behaviour issues in a fair, open, transparent and timely manner. Ensure all mandatory e-learnings are completed on time Risk Management Ensure compliance of all internal and regulatory credit/other portfolio related policies preparing the BCA/ Regulatory checklist, other special reporting requirements, etc. Governance Ensure compliance of all internal and regulatory credit/other portfolio related policies preparing the BCA/ Regulatory checklist, other special reporting requirements, etc. 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 Credit Analyst Team 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. Key stakeholdersExternal Clients, Legal firms, Accountants etc. Internal CreditRelationship ManagerProduct TeamsOther stake holders (FM/TB/IMO/Audit etc.) Other Responsibilities Embed Here for good and Group’s brand and values in Credit Analyst Team; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats); Our Ideal Candidate The Credit analyst is expected to complete all e-learnings and certifications applicable to the role within defined timelines. Role Specific Technical CompetenciesCredit Analysis & Monitoring Ability to analyse credit (incl. financial analysis) and monitor accounts closely to ensure – (i) fast turn around on deals and (ii) no slippages / impairments. Effective Communication Both oral and written in a clear and concise manner as job involves proposal writing and presenting to various stakeholders.