Credit Analyst

RESPONSIBILITIES

Strategy

• Ability to drive the CIB strategy to ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the Country portfolio standard checklist, other special reporting requirements, etc.

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
• Responsible for end-to-end BCA process including preparing all the tools like Raptor, ESRAT, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.

Processes

• In-charge of the credit processes end to end through monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.

People & Talent

• Team player and ensuring key stake holder management

Risk Management

• Monitor risk framework for the allocated portfolio Keep a vigil on the Portfolio Monitoring Reports/ Credit Monitoring processes & ensuring that laid down procedures/policies are complied with.
• Any deviations to be escalated to Unit Head/Head Credit & Operational Risk Controls/Credit .
• Oversight on EAR/ASTAR process: A proactive approach to identifying EAR accounts – No sudden slippages into SAM.

Governance

• Attend to any credit governance committees like the Credit Approvals Committee and Credit Issues Committee

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 [Uganda / CIB / LMC Credit analyst team] to achieve the outcomes set out in the Bank’s Conduct Principles
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

• External: Legal firms, accounting firms, Client.
• Internal: Relationship Manager/TBSM/FM Sales

Other Responsibilities

• Embed Here for good and Group’s brand and values in Uganda CIB LMC Credit Analysts Team Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)

Qualification

• Bachelor Degree preferably in commerce, Business Administration
• Accounting certification in CPA or ACCA is an added advantage

Role Specific Technical Competencies

• Risk Analysis
• Business planning
• Tenacity and working with deadlines
• Analytical with attention to detail
• Team player and stake holder management
• Good writing skills

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 potentia

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