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Credit Manager

 Standard Chartered Bank Ltd

  • 3 - 7 years
  • Ahmedabad
  • Applicants: 0
  • Views: 2
  • Posted: 08 11 2019
  • Full Time

Job Details

Experience: 3 - 7 years

Qualification: Any graduate(Any)

Salary Offered: Not Disclosed

Functional Area: Banking / Insurance / Financial Services

Industry: Education / Teaching / Training

Role: Credit Mgr-Corporate Banking

Job Location: Ahmedabad

Gender: Male

Number of Vacancy: 1

Job Description

Credit Process

  • Ensuring that the quality of trade transactions meets Group standards, particularly with regards to the completeness and depth of risk analysis.
  • Work shopping of new business deals with Business and providing them with new business/product ideas.
  • Highlighting/Approving breaches of Credit Policy and Local Underwriting Standards.
  • Undertaking regular customer visits to better understand the customers business model and overall business environment.

Portfolio Management

  • Ensuring compliance with all credit policy and CUS 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 assisting Group Special Assets Management, where appropriate, in managing stressed accounts to maximise recoveries and minimise losses.
  • Supporting all portfolio related analysis for various reviews initiated within/outside the country.

Skills Required

assurance
compliance
stakeholder management

Key Requirements

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.
  • Maximizing Economic Revenue through effective management of the risk/reward relationships.
  • Maintaining credit quality and standards of professionalism for the risk function.
  • Ensuring effective implementation of Group Policies / Circulars / Procedures.
  • Participating actively in any group initiative to improve systems and processes
  • Regularly attending and making meaningful contribution to the Regional Credit Issues Forum.

Stakeholder Management

  • Actively engaging all stakeholders (e.g. Business partners) to raise their awareness of credit issues and how these are managed by the Credit Risk function.
  • Ensuring 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)

  • Ensuring compliance to the ORMA framework (self-assessments, KRIs, KCSs, etc) and reporting.
  • Ensuring 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.
  • Living by values and brand promise 'Here for Good'.

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Company Logo

Email: cardservices@sc.com

Contact Person: hr

Web: www.sc.com

ABOUT COMPANY

Standard Chartered Bank is India??s largest international bank with 100 branches in 43 cities, and we have been operating here since 1858. Key clients segments include Corporate & Institutional Banking, Commercial & Private Banking as well as Retail Banking.