Credit Analyst, Medium Enterprise

Employer
Standard Chartered Bank
Location
Hong Kong, Hong Kong
Salary
Competitive
Posted
Aug 13, 2022
Closes
Aug 25, 2022
Ref
16359503
Job Function
Banking
Industry Sector
Finance - General
Employment Type
Full Time
Education
Bachelors
Role Responsibilities
Business
  • To co-work with frontline sales staff including Sales Team Heads and Relationship Managers (RMs) in providing proactive account management in respect of the designated portfolio (both for existing and brand new customers) with the primary objectives of maximising profits and returns (EP) whilst minimising bad debts (EL management).
  • To support the entire CA Team in preparation of different kinds of credit applications and reports.
Processes
  • To assist in preparation of BCA for both existing customers and NTB cases together with various necessary controlling and follow-up reports including but not limited to Early Alert reports.
  • To deliver quality credit assessment with well justification and thorough analysis to relevant credit units for ensuring prompt and efficient approval process.
  • To maintain proactive, regular and timely control and monitoring on the credit quality of the customer portfolio according to the policies and guidelines of the bank.
  • To liaise with different units of the bank including but not limited to credit, risk control, etc. and ensure a timely and proper response is delivered.
  • To keep proper control in submission deadline in all kinds of applications and reporting.
  • To follow up closely with RMs on submission of financial statements for timely preparation of credit analysis.
  • To attend customer visits with RMs and attend factory / site visit (if any) for better understanding of the business development of customers.
  • To assist in preparing all necessary and different types of both internal controlling and external regulatory reports.
  • To complete all assigned e-learning programmes on time together with other necessary training sessions and knowledge advancement for self-improvement.
  • To proactively recommend constructive suggestions for the improvement of the overall department.
Risk Management
  • To assist line management in order to align the business/function in country operational risk management approach to the Risk Management Framework and oversee its effective application.
  • To monitor all different risk factors including but not limited to credit, operational, reputation and compliance risks are respectively met with the required standards and benchmarks.
  • To always stay alert about the latest market situation and development that may impact the business / credit standing of the customer portfolio.
  • To extend proper account management, ensure prompt reporting and take appropriate actions to properly revolve any irregularity.
  • Any other role needs to be performed as per agreed in the Role & Responsibilities document.
Governance
  • To assist line manager to align with the business / function in country operational risk management approach to the Risk Management Framework and oversee its effective application.
  • To support line manager in review of risk related factors.
  • To support any risk governance activity if necessary.
  • To maintain and ensure effective application of the Group's Policy Governance Standards.
Regulatory and 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 assigned business / functions to 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
  • Colleagues in BB, Product, Risk, Compliance and other supporting Functions and Businesses.
External
  • Existing Customers - To evaluate and monitor customers' creditability and secure market information.
  • Prospective New Customers - To assist RMs in credit assessment of NTB cases.
  • Professionals - To liaise with valuation firms, credit agencies, etc.
Other Responsibilities
  • To embed Here for good and the Group's brand and values.
  • To perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
  • To work effectively across SCB, using values behaviours to drive overall business growth.

Our Ideal Candidate
  • Bachelor's degree in finance, accounting or other business-related fields.
  • Prior working experience in banks, preferably credit and marketing related areas.
  • Fluency in both written and spoken English and Chinese including Putonghua.
  • Proficiency in MS Office and other general skills of computer application.
  • Self-motivated and able to work and excel in a team environment.
  • Strong analytical, reasoning and presentational skills.
  • Good communication and interpersonal skills.
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 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.
Visit our careers website www.sc.com/careers

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