Job Opportunity for Commerce, Maths, Finance Graduates at Standard Chartered

Overview:

Standard Chartered is hiring an experienced Senior Officer at their Bangalore location. This role is 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.

The complete details of this job are as follows:

Roles and Responsibilities:

The Ideal Candidate should be able to:

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.

Lead through example and build the appropriate culture and values.

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.

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.

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.

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.

Eligibility:

Commerce, Mathematic or finance-related qualification.

2 – 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.

Knowledge of Lending Product

Knowledge of MS Office

Communication skill

Credit Analytical skill

To apply for this job, visit the official website

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