Standard Chartered Bank Off Campus Recruitment
Drive 2022 | Hiring Fresher B.com/BBA/B.E/B.Tech
Position Open - Officer, Credit, Risk Operations - (2200004610)
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Job: Operations
Primary Location: Asia-India-Bangalore
Schedule: Full-time
Employee Status: Permanent
Posting Date: 24/Feb/2022, 8:48:16 PM
Unposting Date: Ongoing
About Standard Chartered
We are a leading international
bank focused on helping people and companies prosper across Asia, Africa and
the Middle East.
To us, good performance is
about much more than turning a profit. It's about showing how you embody
our valued behaviours - do the right thing, better together and never settle -
as well as our brand promise, Here for good.
We're committed to promoting
equality in the workplace and creating an inclusive and flexible culture - one
where everyone can realise their full potential and make a positive
contribution to our organisation. This in turn helps us to provide better
support to our broad client base.
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The Role Responsibilities
Processes
- Responsible for assessing credit requests and
producing a recommendation after undertaking a thorough analysis of a
variety of factors and careful analysis of a client’s financial
information, including income statements, cash flow history, current debt,
and tax forms.
- Responsible for evaluating the credit
worthiness of potential borrowers via the underwriting of borrower
financial statements, collateral coverage, and guarantor support.
- Gathers financial information about
organizations and individuals, such as valuable properties, income,
savings, debts and payment history, give recommendations on whether it is
safe to approve a loan or reduce a credit line.
People and Talent
- Lead through example and build the appropriate
culture and values.
Risk Management
- Perform due diligence on the procedure involves
evaluating the risks that businesses involved in loan financing are likely
to experience by initiating background research on the retail or
commercial customer.
Governance
- In the event of serious regulatory breaches,
policy breaches or where credit appetite have been breached, ensure senior
management are informed and that actions are taken quickly to remediate
and/or activities are ceased.
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 to achieve the outcomes set out in the
Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial
Markets; Financial Crime Compliance; The Right Environment.] *
- Effectively and collaboratively identify,
escalate, mitigate and resolve risk, conduct and compliance matters.
- Support the Credit Initiation Procedures
provide a standard framework to countries for developing and deploying
credit initiation processes with an objective of optimizing efficiency
without impacting credit quality].
- Exercise authorities delegated by the Board of
Directors and act in accordance with Articles of Association (or
equivalent)
Key Stakeholders
- Retail Risk Operation- Credit representatives
in group and country.
Other Responsibilities
- Live Here for good and Group’s brand and values
in Credit Initiation.
- Perform other responsibilities assigned under
Group, Country, Business or Functional policies and procedures.
Our Ideal Candidate
- Commerce, Mathematic or finance related
qualification.
- Fresher OR 6 months to 2 years of relevant work
experience or knowledge of the lending related activities/ documentation.
- 2 to 4 years of relevant work experience in the
following areas, by performing credit assessment for the approval of
retail lending:
- Read financial briefings related to the
borrower to the company.
- Interpret, analyse and assess all forms of
complicated financial information.
- Embark on risk assessment analysis.
- Maintain the credit exposure within certain
risk level with set limit in mind.
- Assist the company in enhancing quality of
service delivery relating to credit applications.
Apply now to join the Bank for
those with big career ambitions.
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To view information on our
benefits including our flexible working please visit our career
pages. We welcome conversations on flexible working.
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