Standard Chartered Bank Nigeria Job for a Credit Analyst in Victoria Island, Lagos

Standard Chartered Bank Nigeria - We attract talented individuals. Not only can they give you the benefit of their experience, they also reveal a closer, more personal look at the wide range of global opportunities we offer. At the core of the Group's people strategy is our focus on employee
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Standard Chartered Bank is recruiting to fill the position below:

Job Title: Credit Analyst

Job ID: 464295
Location: Victoria Island, Lagos
Job Function: C&I Clients

Job Descriptions

• 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 with the RM on a specified portfolio and facilitate revenue growth in the portfolio.

• Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
• Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.

1. Obtaining all pre clearances like ER negativity, segmentation, etc.
2. Preparing & presenting work-shopping note and
3. Expediting approvals.

• Responsible for end-to-end BCA process including preparing all the tools like Odyssey, 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, Temasek check, other special reporting requirements, etc.
• Coordinate and prepare for GCC meetings
• Liaise with GAM Credit for limit approval/allocation.
• Seek necessary approvals for excesses in the account.

• Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.
• 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 RMs
• In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank's policies and guidelines
• Ensure timely submission of quality Quarterly Credit Reports
• Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
• Ensure Zero BCA over dues and extensions not breaching the required threshold.

• Prepare timely Stress Tests wherever required
• Prepare specific industry study
• Prepare PMC report (only FI specific). Prepare summary sheets for FIS (only FI specific)
• Prepare Credit Opinion reports wherever required.
• Effective use of Creditmate & CRM
• In partnership with the RM, approve the TAS request as per the bank's policy (only FI specific).
• Work on specific request from custody for limits (only FI specific)

• Minimum of a 2nd Class Degree in a relevant course.
• Strong credit and relationship management skills
• Good Communication and Interpersonal skills.