南京招聘

Department: Commercial Clients
部门：商业客户部
Location: Wuhan

工作地点：武汉

Scope of Role:

? Credit Analyst (CA) would be primarily responsible for managing the Credit risk associated with the portfolio and ensuring high quality of the portfolio.

? Closely work with the RM from the origination & play a vital role in deal structuring to add good value from a credit / policy perspective.

? Work as a team with the Relationship Manager (RM) and Team Leader (TL) on a specified portfolio and facilitate revenue growth in the portfolio.

Key Responsibilities/Challenges:

？ Origination

? Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.

? Work with RM and 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 required in the credit pre-screening session

b) Preparing & presenting BCA; and

c) Expediting approvals.

? Responsible for end-to-end BCA process including preparing all the tools like ESC Scorecard, MFA etc, in-depth analysis of various risks/mitigants and ensuring fast credit approval.

? Liaise with Credit /GAM /FAM on BCA and other credit issues and ensure quick turnaround on queries.

? Ensure compliance of all internal and regulatory credit/other portfolio related policies.

? Evaluate the environmental and social risks.

? Work with RM to calculate and monitor overall IoRWA at account level.

? Coordinate and prepare for credit discussion meetings with local or group approvers.

? Liaise with GAM Credit for limit approval / allocation.

? Market, industry & client research (company Searches, annual statements, credit rating, etc).

? Reference check / market check - buyers, suppliers, competitors & lenders & to be documented by way of call report / file note.

? Legal & compliance liaising and preparing term sheets for lending products.

？ Post Deal Account monitoring

? Monitor quality of the portfolio by tracking weekly excess / past dues and strictly complying with ASTAR / EAR process.

? Ensure timely submission of quality PBOC Quarterly Credit Reports.

? Monitor risk triggers, covenants and other credit conditions and report appropriately.

? Ensure zero BCA over dues.

? Work with RM and TL to ensure the proper maintenance of credit files and ensuring audit readiness at any time.

? Work with RM and TL to follow up audit issues.

? Attend EAR / ASTAR calls along with the RMs.

? In partnership with the RM, ensure timely identification of accounts to be put in EAR as per the bank’s policies and guidelines.

? Preparing the Initial Downgrade Report (IDR) for transferring accounts to GSAM.

？ Others

? Prepare timely stress tests wherever required

? Prepare specific industry study

? Prepare credit opinion reports wherever required.

? Effective use of Creditmate & CRM

Selection Criteria:

· University degree in Finance or related discipline is preferred.

· Adaptation and package of financial solutions

· Strict adherence to compliance requirement

· Fluent English verbal and written communication skills, native in Mandarin.

· Proficient in office software, e.g. Word, Excel and Power Point.

· Good at using Internet and other network application software.

· Good communication skills and teamwork spirit.

· Preferable if candidate has experience in big 4 or banking industry.

Please send your resume to: recruitment.west@sc.com, with the position and location in subject.
To apply, visit standardchartered.com/careers

请将简历发送至：recruitment.west@sc.com，并在邮件主题中注明您所应聘的职位名称及地区。
想了解更多渣打银行的职位信息，请登录：standardchartered.com/careers

  
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