Credit Analyst - Commercial Banking at Standard Chartered Bank Kenya

The Role Responsibilities

Business Origination

• Interact with the clients, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
• Work with RMs /product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
• Work with the RM, in a) obtaining pre-clearances where applicable, segmentation, etc. b) preparing & presenting work-shopping note and c) expediting approvals.
• 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.
• 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.
• Liaise with GAM Credit for limit approval/allocation.
• Seek necessary approvals for excesses in the accounts.

Risk Management Monitoring

• Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.
• Ensure timely submission of quality Quarterly Credit Reports
• Monitor Risk Triggers, Covenants and other credit conditions and report 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 Ready at any time
• Attend EAR/Portfolio call/MTM calls along with the RM
• In partnership with the RM, ensure timely identification of accounts to be put in EAR as per the bank's policies and guidelines

Governance

• Remain alert to the risk of money laundering and assist in the Bank' efforts in combating it by adhering to the key principles in relation to: identifying your customer, knowing your customer, reporting suspicions, safeguarding records and not disclosing suspicions to customers.

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.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders Internal

• Credit Risk Management
• RMs /ARMs
• Other stake holders (FM/TB/IMO)

External

• Clients / Trade associations,
• legal firms, Accountants etc

Other Responsibilities

• Prepare timely Stress Tests wherever required
• Prepare specific industry study wherever required
• Prepare Credit Opinion reports wherever required

Our Ideal Candidate

• A Degree in Business/Commerce/Economics is preferred however a degree in a science or other related field where analytical skills are gained is acceptable.
• ACCA/CPA qualifications are an added advantage

Apply now to join the Bank for those with big career ambitions.
To view information on our benefits including our flexible working please visit our career pages.