Credit Analyst, Commercial Banking
Standard Chartered Bank - UAE
Manama, Bahrain
The Role
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.
Requirements
* 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.
About the Company
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.
Outbound US Lead Generation Call Agent, Singaporem Dubai
Personnel Search Services Pvt Ltd hiring for Ernest LOBO Associates
Singapore, Dubai/ UAE
Job Description
Outbound US Lead Generation Call Agent Skills : Excellent English with US Accent. Candidate should have excellent communication skill. Maintain professional ethics. Minimum HSC pass/Graduate. Having experience in sales lead generation Job Description: Company will provide ready Data Base with our potential client name address and contact details. Agent be making outbound phone calls to generate leads for SAM (Senior Area Manager) in USA and Canada. Will enter generated leads in to our online application and also send leads to on field Business Professionals. Working Days: Monday to Friday Working Hours: 8 Hour shift 5pm to (This position is target oriented, Candidate MUST finish daily target before leave for the day). Dress Code: Formals Office Wear & only black leather shoes. Salary : Upto 50k with Incentives/Month (Basic + Benefits
Salary:INR 13,00,000 - 20,00,000 P.A.
Industry:BPO / Call Centre / ITES
Functional Area:ITES , BPO , KPO , LPO , Customer Service , Operations
Role Category:Voice
Role:Associate/Senior Associate -(NonTechnical)
Employment Type:Permanent Job, Full Time
Company Profile:
Personnel Search Services Pvt Ltd
Our clients are part of a Consulting service that strives to deliver top-of-the-line services directly linked to & valued by all through: Dedicated teams- The same high standards of service delivery are maintained for all our clients Empowered team members - By fostering an environment that nurtures continuous capability improvements, we empower our team members to think on their feet, thus resulting in quick and effective decisions. Well Co-ordinates efforts- The delivery team works in a well synchronized fashion that encourages situational leadership to complement each other's strengths. Well Informed team - We pay close attention and scrutinize details of all topics being considered Value Creation: We perform all activities with the intent of exceeding expectations and constantly raising the bar. Experienced team- Having an experienced, well informed and continually self-learning team enables us to apply knowledge gained by our collective successes and challenges to continuously improve our service levels. Effective Time Management- We have the right people who foresee and plan projects exhaustively to ensure our deadlines are met with time often left to spare. Scalability - We are well equipped to apply proven solutions, methodologies and techniques to accommodate substantial variations in size and scope. Efficiency -We are armed with the ability to execute all activities undertaken with optimal utilization of time, effort and cost. We thrive on fanatical customer service leading to creation of highly personalized engagement experience. Establish and maintain leadership of time to market (speed) and mind to market (ideas) in the delivery of highest quality solutions, as well as in the introduction of new technology products. Become the most preferred organization to work for that, fosters innovation, entrepreneurship and holistic value-creation fueled by motivated, self-driven, committed & satisfied team