Credit Analyst,
Commercial Banking
Standard Chartered Bank - UAE
Bahrain
Credit Analyst, Commercial Banking, Bahrain
As a Credit Analyst within our Commercial Banking business, you will play a pivotal role within our team and add significant value to our organisation.
Key Roles and Responsibilities
Origination:
* Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
* Work with the RM/product partners to structure credit solutions for the clients and ensure the appropriateness and suitability of the products offered.
* Work with the RM, in a) obtaining all pre clearances. b) preparing & presenting workshop notes and c) expediting approvals.
* Responsible for end-to-end BCA process including preparing all the scorecards and relevant tools such as RAPTOR, etc, analyzing all relevant risks in depth to result in a quality presentation and ensure prompt credit approval.
* Ensure compliance of all internal and regulatory credit/other portfolio related policies by preparing the country portfolio standard checklist, credit policy checklist, and other special reporting requirements, etc.
* Liaise with Credit for limit approval/allocation.
* Strongly assist the RM in origination by preparing pitch book, industry leads, etc.
* Assist the RM and CA in preparing briefing notes for senior management visits.
* Document the client meetings attended by preparing a call report via the RMWB system
* Ensure timely completion of account opening formalities of the client including collection of documents, signature verification etc., by liaising with cash operations & the CCM - Specialist teams.
* Work in partnership with FM to setup FM System ID and ISDA request.
Post Deal Account Monitoring
* Monitor the quality of the portfolio by tracking excesses/past dues as well as strictly complying with the ASTAR and EAR processes.
* Monitor risk Triggers, covenants and other credit conditions and report any breaches appropriately,
* Ensure Zero BCA 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 readiness at any time.
* In partnership with the relationship manager, ensure timely identification of accounts to be put on EAR as per the Bank's policies and guidelines.
Client on-boarding & deal execution
* Assist the RM in liaising with Legal & Compliance, CRC and clients to resolve documentation issues like T&C deviations for standard documents.
* Obtain approval for modification in standard documentation wherever necessary from appropriate authority.
* Enure documentation is completed and the limits loaded properly to ensure faster execution of the transaction.
* Work with the CDD team to ensure eCDDs are created and renewed on time.
* Seek approval from various authorities for release of trade offerings and release the deal in IMEX.
Account Management and portfolio quality
* Actively engage with client and also with the product partners to ensure high level of utilization of regular limits.
* Work closely with product partners for coordinating client training for non lending products.
* Track past dues and excesses in the portfolio meticulously and ensure they are regularized on time. Any exceptions to be highlighted to CA and RM.
Client Management
* Seek necessary approvals, wherever required and release trade offerings on time to ensure faster TAT on trade transactions.
* Co-ordinate with Ops / GSSC for any rectifying any ops related issues and issue SIFs wherever required within the authority.
* Ensure document deficiencies are minimum and are rectified on time.
* Liaise with other banks for information sharing and seeking opinion reports and respond to NOC requests from other banks/NAK etc.
* Liaise with FAM/GAM/RAM for day to day account maintenance and operational issues.
* Arrange for stock inspection/Valuation
* Track and action on Failed Trade Report
* Ensure compliance of all internal/regulatory policies & regulations.
Code of Conduct
* Provide leadership in to comply with the highest standards of regulatory and business conduct and practices as defined by internal and external requirements. Understand and ensure compliance with, in letter and spirit, all applicable laws, regulations and guidelines including those governing securities activities, company law, anti-money laundering, terrorist financing and sanctions; the Group's policies and procedures; and the Group Code of Conduct. Take personal responsibility for understanding the risk and compliance requirements of the role. Effectively and collaboratively identify, escalate, mitigate and resolve risk and compliance matters.
* Embed the Group's Values and Group Code of Conduct to ensure adherence with the highest standards of ethics. Comply with relevant policies, processes and regulations, as part of the culture. Lead by example by displaying exemplary conduct behaviours and take personal responsibility for:
* The conduct of individuals in the Job holder's area of accountability ensuring behaviours set out in the Group Code of Conduct are followed.
* [business/country/function (as applicable)] achieving the outcomes set out in the Conduct Principals and Pillars.
As a Credit Analyst within our Commercial Banking business, you will play a pivotal role within our team and add significant value to our organisation.
Key Roles and Responsibilities
Origination:
* Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
* Work with the RM/product partners to structure credit solutions for the clients and ensure the appropriateness and suitability of the products offered.
* Work with the RM, in a) obtaining all pre clearances. b) preparing & presenting workshop notes and c) expediting approvals.
* Responsible for end-to-end BCA process including preparing all the scorecards and relevant tools such as RAPTOR, etc, analyzing all relevant risks in depth to result in a quality presentation and ensure prompt credit approval.
* Ensure compliance of all internal and regulatory credit/other portfolio related policies by preparing the country portfolio standard checklist, credit policy checklist, and other special reporting requirements, etc.
* Liaise with Credit for limit approval/allocation.
* Strongly assist the RM in origination by preparing pitch book, industry leads, etc.
* Assist the RM and CA in preparing briefing notes for senior management visits.
* Document the client meetings attended by preparing a call report via the RMWB system
* Ensure timely completion of account opening formalities of the client including collection of documents, signature verification etc., by liaising with cash operations & the CCM - Specialist teams.
* Work in partnership with FM to setup FM System ID and ISDA request.
Post Deal Account Monitoring
* Monitor the quality of the portfolio by tracking excesses/past dues as well as strictly complying with the ASTAR and EAR processes.
* Monitor risk Triggers, covenants and other credit conditions and report any breaches appropriately,
* Ensure Zero BCA 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 readiness at any time.
* In partnership with the relationship manager, ensure timely identification of accounts to be put on EAR as per the Bank's policies and guidelines.
Client on-boarding & deal execution
* Assist the RM in liaising with Legal & Compliance, CRC and clients to resolve documentation issues like T&C deviations for standard documents.
* Obtain approval for modification in standard documentation wherever necessary from appropriate authority.
* Enure documentation is completed and the limits loaded properly to ensure faster execution of the transaction.
* Work with the CDD team to ensure eCDDs are created and renewed on time.
* Seek approval from various authorities for release of trade offerings and release the deal in IMEX.
Account Management and portfolio quality
* Actively engage with client and also with the product partners to ensure high level of utilization of regular limits.
* Work closely with product partners for coordinating client training for non lending products.
* Track past dues and excesses in the portfolio meticulously and ensure they are regularized on time. Any exceptions to be highlighted to CA and RM.
Client Management
* Seek necessary approvals, wherever required and release trade offerings on time to ensure faster TAT on trade transactions.
* Co-ordinate with Ops / GSSC for any rectifying any ops related issues and issue SIFs wherever required within the authority.
* Ensure document deficiencies are minimum and are rectified on time.
* Liaise with other banks for information sharing and seeking opinion reports and respond to NOC requests from other banks/NAK etc.
* Liaise with FAM/GAM/RAM for day to day account maintenance and operational issues.
* Arrange for stock inspection/Valuation
* Track and action on Failed Trade Report
* Ensure compliance of all internal/regulatory policies & regulations.
Code of Conduct
* Provide leadership in to comply with the highest standards of regulatory and business conduct and practices as defined by internal and external requirements. Understand and ensure compliance with, in letter and spirit, all applicable laws, regulations and guidelines including those governing securities activities, company law, anti-money laundering, terrorist financing and sanctions; the Group's policies and procedures; and the Group Code of Conduct. Take personal responsibility for understanding the risk and compliance requirements of the role. Effectively and collaboratively identify, escalate, mitigate and resolve risk and compliance matters.
* Embed the Group's Values and Group Code of Conduct to ensure adherence with the highest standards of ethics. Comply with relevant policies, processes and regulations, as part of the culture. Lead by example by displaying exemplary conduct behaviours and take personal responsibility for:
* The conduct of individuals in the Job holder's area of accountability ensuring behaviours set out in the Group Code of Conduct are followed.
* [business/country/function (as applicable)] achieving the outcomes set out in the Conduct Principals and Pillars.
* Business or accounting related degree or
equivalent with a certification in Core Credit Curriculum preferred.
* Excellent financial analysis skill and ability to assess client creditworthiness and key risk considerations / mitigations.
* Preference would be given to candidates with ability to create financial models and experience in handling Complex Credits.
* Previous relevant experience in serving business/commercial/corporate clients desirable.
* Product knowledge on trade, cash, lending and FX products and strong understanding of local industries, supply/value chains and market environment desired.
* Knowledge of operational procedures, documentation requirements, banking practices and regulations related to commercial banking.
* Outstanding communication and presentation skills.
* Excellent financial analysis skill and ability to assess client creditworthiness and key risk considerations / mitigations.
* Preference would be given to candidates with ability to create financial models and experience in handling Complex Credits.
* Previous relevant experience in serving business/commercial/corporate clients desirable.
* Product knowledge on trade, cash, lending and FX products and strong understanding of local industries, supply/value chains and market environment desired.
* Knowledge of operational procedures, documentation requirements, banking practices and regulations related to commercial banking.
* Outstanding communication and presentation skills.
Standard Chartered Bank started in 1958 in UAE
with its first branch in Sharjah. The Group\\\\'s business gradually increased
in Dubai with the opening of several branches and today, Dubai is the
administrative hub of the Middle East and South Asia Region. In its 43rd year,
the Bank enjoys the position of having the most extensive branch network among
foreign international banks in UAE with 10 branches emirate-wide.
Standard Chartered is an
international bank, focused on the established and emerging markets of Asia,
Africa, the Middle East and Latin America with an extensive global network of
more than 600 offices in over 50 countries. The three principal business groups
are Global Markets, Personal Banking and Corporate and Institutional Banking.
In UAE, we are one of the
leading banks, offering an extensive range of products and services for personal
customers, local companies, multinational corporate and financial institutions.
Apply Now
Manager, Liabilities
Operations
Standard Chartered Bank - UAE
Dubai, UAE
Manager, Liabilities Operations (UAE Nationals
are encouraged to apply)
Purpose:
* Managing On boarding & Dispatch processes.
* Ensure that the team follows adequate controls in terms of operational security and confidentiality of customer information, etc.
* To effectively manage the unit from a cost/benefit/risk/service perspective.
* Monitor that the team perform activities assign to them within agreed TAT, with no pending and complaints.
* To effectively manage the team member activities assigned to them.
* Ensure no TAT or SLA impact.
Key Roles and Responsibilities
Strategy Formulation & Execution, and Financial Management
* Ensure that all processes/practices in the Unit comply with the Bank's risk and compliance procedures to minimize security and risk exposure.
* Ensure adherence to KCSA/KRI and surface appropriate issues as per the defined escalation frameworks.
* Ensure that all BIA, BCP and DR related activities are smoothly carried out for Retail Operations
Governance:
* Maintain a strong and appropriate control and compliance environment.
* Ensuring internal/external escalation processes for all referrals and ageing items is not exceeding 3 working day
* Attend Monthly SRRM reviews meeting
* Periodic review of Vender premises and ensure we are aligned with Group vender management framework.
* Monitor the team that they complete all application logged in FDE step within the SLA.
Service Quality / Delivery
* Ensure that efficient and quality services are provided to both internal and external customers that meet or exceed agreed service standards.
* Continuously review procedures, controls and systems for improvements in quality, efficiency & TAT which may lead to system enhancements, optimization of resources, costs savings & reduction / eradication of redundancies & inefficiencies.
* To ensure that effective & updated Service Level Agreements are maintained with all relevant stakeholders and are accordingly met.
* To monitor closure of complaints & outstanding issues of the unit to ascertains that it does not attain critical status.
* Interact with other departments & stakeholders of the Bank to build synergies, ensuring that goals & objectives are keeping in view the wider interests of the organization.
Leadership, People & Community Development
* Drive and embed a strong performance culture through inspiring, motivating and rigorous performance management discipline.
* Develop and build talents within Retail Operations through optimal resourcing, capacity planning, succession planning and engagements.
* Ownership of Lending & Liabilities Operations Staff productivity and performance relating to daily activities performed.
* Lead in building Retail Operations profile through strong internal , external networking & alliances building.
* Constantly monitor the performance of staff - manage & motivate them, to ensure efficiency and effectiveness of performance
Risk management & control
* Ensure that all in-country Processes and related PN's are fully compliant with the prevalent Group Policies & Procedures and Regulatory Directives / Guidelines (as applicable)
* Demonstrate a sustained proactive approach towards identifying potential risks & process gaps. Ensure adherence to ITO Protocols (MC, Incident Tracker, etc) and Group OR Procedures with respect to timely escalation to and acceptance by appropriate authorities, updates and mitigation actions. Work actively towards reducing KCSA/ CST exceptions.
* Reduce operational losses / revenue reversals
* Timely Review/completion of COPMAN risk controls assigned
* Ensure Nil Internal & External Audits / Peer Review failures
* Work jointly with the Risk and Controls (R&C) function to conduct e2e reviews of High Risk processes.
* Mange and review BIA, BCP and DR through the year.
Purpose:
* Managing On boarding & Dispatch processes.
* Ensure that the team follows adequate controls in terms of operational security and confidentiality of customer information, etc.
* To effectively manage the unit from a cost/benefit/risk/service perspective.
* Monitor that the team perform activities assign to them within agreed TAT, with no pending and complaints.
* To effectively manage the team member activities assigned to them.
* Ensure no TAT or SLA impact.
Key Roles and Responsibilities
Strategy Formulation & Execution, and Financial Management
* Ensure that all processes/practices in the Unit comply with the Bank's risk and compliance procedures to minimize security and risk exposure.
* Ensure adherence to KCSA/KRI and surface appropriate issues as per the defined escalation frameworks.
* Ensure that all BIA, BCP and DR related activities are smoothly carried out for Retail Operations
Governance:
* Maintain a strong and appropriate control and compliance environment.
* Ensuring internal/external escalation processes for all referrals and ageing items is not exceeding 3 working day
* Attend Monthly SRRM reviews meeting
* Periodic review of Vender premises and ensure we are aligned with Group vender management framework.
* Monitor the team that they complete all application logged in FDE step within the SLA.
Service Quality / Delivery
* Ensure that efficient and quality services are provided to both internal and external customers that meet or exceed agreed service standards.
* Continuously review procedures, controls and systems for improvements in quality, efficiency & TAT which may lead to system enhancements, optimization of resources, costs savings & reduction / eradication of redundancies & inefficiencies.
* To ensure that effective & updated Service Level Agreements are maintained with all relevant stakeholders and are accordingly met.
* To monitor closure of complaints & outstanding issues of the unit to ascertains that it does not attain critical status.
* Interact with other departments & stakeholders of the Bank to build synergies, ensuring that goals & objectives are keeping in view the wider interests of the organization.
Leadership, People & Community Development
* Drive and embed a strong performance culture through inspiring, motivating and rigorous performance management discipline.
* Develop and build talents within Retail Operations through optimal resourcing, capacity planning, succession planning and engagements.
* Ownership of Lending & Liabilities Operations Staff productivity and performance relating to daily activities performed.
* Lead in building Retail Operations profile through strong internal , external networking & alliances building.
* Constantly monitor the performance of staff - manage & motivate them, to ensure efficiency and effectiveness of performance
Risk management & control
* Ensure that all in-country Processes and related PN's are fully compliant with the prevalent Group Policies & Procedures and Regulatory Directives / Guidelines (as applicable)
* Demonstrate a sustained proactive approach towards identifying potential risks & process gaps. Ensure adherence to ITO Protocols (MC, Incident Tracker, etc) and Group OR Procedures with respect to timely escalation to and acceptance by appropriate authorities, updates and mitigation actions. Work actively towards reducing KCSA/ CST exceptions.
* Reduce operational losses / revenue reversals
* Timely Review/completion of COPMAN risk controls assigned
* Ensure Nil Internal & External Audits / Peer Review failures
* Work jointly with the Risk and Controls (R&C) function to conduct e2e reviews of High Risk processes.
* Mange and review BIA, BCP and DR through the year.
* Progress against balanced scorecard targets.
* Adherence to SLAs
* Audit /CST outcome
* Compliance with Regulatory Authorities
* Customer Complaints
* Adherence to process, compliance & operations risk
* Adherence to SLAs
* Audit /CST outcome
* Compliance with Regulatory Authorities
* Customer Complaints
* Adherence to process, compliance & operations risk
Standard Chartered Bank started in 1958 in UAE
with its first branch in Sharjah. The Group\\\\'s business gradually increased
in Dubai with the opening of several branches and today, Dubai is the
administrative hub of the Middle East and South Asia Region. In its 43rd year,
the Bank enjoys the position of having the most extensive branch network among
foreign international banks in UAE with 10 branches emirate-wide.
Standard Chartered is an
international bank, focused on the established and emerging markets of Asia,
Africa, the Middle East and Latin America with an extensive global network of
more than 600 offices in over 50 countries. The three principal business groups
are Global Markets, Personal Banking and Corporate and Institutional Banking.
In UAE, we are one of the
leading banks, offering an extensive range of products and services for
personal customers, local companies, multinational corporate and financial
institutions.
Apply Now
Country Client
Onboarding And Management Specialist
Standard Chartered Bank - UAE
UAE
Purpose: Execution of Client Onboarding and
Management (COBAM) processes to enable the business to operate more effectively
and in accordance with globally consistent standards, controls and levels of
conduct.
This will include strong emphasis and focus on:
* Accurate and efficient client onboarding, management and offboarding processes;
* Heightened awareness of Anti Money Laundering (AML) risk, and associated controls;
* Oversight of the execution of Ceint Due Diligence (CDD); and
* Management of quality Static Data
* Perform client on boarding processes primarily related to account opening (AO) and Client Due Diligence (CDD)
* Be the librarian & soft copy custodian for AO and CDD related documents
* Identify and escalate blockages in the on-boarding process
Key Roles and Responsibilities
Client On boarding
* Follow-up and collect documents from client (depending on client sensitivities) ensuring the "Once to Client" rule is adhered to as much as is practical
* Review documentation received from Client/ Relationship Manager (RM)/ Client Coverage Manager (CCM) to:
* Ensure documentation "correctness" (i.e. that the document is "true"/ accurate and conforming to relevant standards)
* Ensure documentation "completeness" (i.e. that all documents required for AO or CDD/Group Introduction Certificate (GIC) have been obtained and all required fields in AO form are filled in)
* Scan, upload and correctly tag the documents per global documentation standards
* Initiate and track CASA Account opening with identified account opening partners
* Ensure handover of physical documentation for archival as per local requirements
* Inform product partners on completion of CDD to commence downstream implementation of facilities & accounts, track progress/ completion and report status to interested parties.
* Support GIC/ network account opening related process as appropriate
* Track turn-around-time on end-to-end client on boarding process, identify blockages/ hotspots and timely escalations
CDD/ GIC Review
* Identify missing/ additional documents required for CDD/ GIC reviews
* Follow-up and collect documents from client (depending on client sensitivities)
* Review documentation received from Client/ RM/ CCM to:
* Ensure documentation "correctness" (i.e. that the document is "true"/ accurate and conforming to relevant standards)
* Ensure documentation "completeness" (i.e. that all documents required for CDD obtained)
* Scan, upload and correctly tag the documents per global documentation standards
Others (Document Management, MIS & Process Insights)
* Track document expiry/ document update triggers and action document collection from client
* Manage document inventory and enable retrieval of AO and CDD documents
* Maintain relevant MIS on end-to-end account opening and CDD process (from client request to confirmation to client on account opening)
This will include strong emphasis and focus on:
* Accurate and efficient client onboarding, management and offboarding processes;
* Heightened awareness of Anti Money Laundering (AML) risk, and associated controls;
* Oversight of the execution of Ceint Due Diligence (CDD); and
* Management of quality Static Data
* Perform client on boarding processes primarily related to account opening (AO) and Client Due Diligence (CDD)
* Be the librarian & soft copy custodian for AO and CDD related documents
* Identify and escalate blockages in the on-boarding process
Key Roles and Responsibilities
Client On boarding
* Follow-up and collect documents from client (depending on client sensitivities) ensuring the "Once to Client" rule is adhered to as much as is practical
* Review documentation received from Client/ Relationship Manager (RM)/ Client Coverage Manager (CCM) to:
* Ensure documentation "correctness" (i.e. that the document is "true"/ accurate and conforming to relevant standards)
* Ensure documentation "completeness" (i.e. that all documents required for AO or CDD/Group Introduction Certificate (GIC) have been obtained and all required fields in AO form are filled in)
* Scan, upload and correctly tag the documents per global documentation standards
* Initiate and track CASA Account opening with identified account opening partners
* Ensure handover of physical documentation for archival as per local requirements
* Inform product partners on completion of CDD to commence downstream implementation of facilities & accounts, track progress/ completion and report status to interested parties.
* Support GIC/ network account opening related process as appropriate
* Track turn-around-time on end-to-end client on boarding process, identify blockages/ hotspots and timely escalations
CDD/ GIC Review
* Identify missing/ additional documents required for CDD/ GIC reviews
* Follow-up and collect documents from client (depending on client sensitivities)
* Review documentation received from Client/ RM/ CCM to:
* Ensure documentation "correctness" (i.e. that the document is "true"/ accurate and conforming to relevant standards)
* Ensure documentation "completeness" (i.e. that all documents required for CDD obtained)
* Scan, upload and correctly tag the documents per global documentation standards
Others (Document Management, MIS & Process Insights)
* Track document expiry/ document update triggers and action document collection from client
* Manage document inventory and enable retrieval of AO and CDD documents
* Maintain relevant MIS on end-to-end account opening and CDD process (from client request to confirmation to client on account opening)
* Business or accounting related degree.
* Experience in Middle Office role / Corporate Client Due Diligence
* Excellent communication (written and verbal)
* Fluency in Arabic is a preference
* Experience in Middle Office role / Corporate Client Due Diligence
* Excellent communication (written and verbal)
* Fluency in Arabic is a preference
Standard Chartered Bank started in 1958 in UAE
with its first branch in Sharjah. The Group\\\\'s business gradually increased
in Dubai with the opening of several branches and today, Dubai is the
administrative hub of the Middle East and South Asia Region. In its 43rd year,
the Bank enjoys the position of having the most extensive branch network among
foreign international banks in UAE with 10 branches emirate-wide.
Standard Chartered is an
international bank, focused on the established and emerging markets of Asia,
Africa, the Middle East and Latin America with an extensive global network of
more than 600 offices in over 50 countries. The three principal business groups
are Global Markets, Personal Banking and Corporate and Institutional Banking.
In UAE, we are one of the
leading banks, offering an extensive range of products and services for
personal customers, local companies, multinational corporate and financial
institutions.
Apply Now