Job Title: Associate, Credit Analysis / 信贷分析师

Location: Hangzhou

?Scope of Roles:

?Credit Analyst (CA) would be primarily respoible for managing the Credit risk associated with the portfolio and euring 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 pepective.

Work as a team with the Relatiohip Manager (RM) and Client Coverage Manager (CCM) on a specified portfolio and facilitate revenue growth in the portfolio.

Key Respoibilities/Challenges:

Origination

？Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.

？Work with RM and product partne in structuring credit solutio for the clients and euring the appropriateness of the products.

？Work with the RM in:

a) Obtaining all pre clearances like ER negativity, segmentation, etc;

b) Preparing & presenting work-shopping note; and

c) Expediting approvals.

？Respoible for end-to-end BCA process including preparing all the tools like Odyssey, Scorecard, etc, in-depth analysis of various risks, quality presentation and euring fast credit approval.

？Liaise with Credit / GAM / RAM / FAM on BCA and other credit issues and eure quick turnaround on queries.

？Eure 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.

？Evaluate the environmental and social risks for the client using the Environmental and Social Risk Assessment Tool (ESRAT).

？Work with RM to calculate and monitor overall RoRWA at account level.

？Coordinate and prepare for GCC meetings.

？Liaise with GAM Credit for limit approval / allocation.

？Market, industry & client research (ROC Searches, annual statements, credit rating etc).

？Reference check / market check - buye, supplie, competito & lende & to be documented by way of call report / file note.

Legal & compliance liaising and preparing term sheets for lending products.

Post Deal Account monitoring

？Monitor quality of the portfolio by tracking weekly excess / past dues and strictly complying with ASTAR / EAR process.

？Eure timely submission of quality Quarterly Credit Reports.

？Monitor risk trigge, covenants and other credit conditio and report appropriately.

？Eure zero BCA over dues.

？Work with RM and CCM to eure the proper maintenance of credit files and euring audit readiness at any time.

？Work with RM and CCM to follow up audit issues.

？Attend EAR / MTM calls along with the RMs.

？In partnehip with the RM, eure timely identification of accounts to be put in EAR as per the bank’s policies and guidelines.

？Preparing the Initial Downgrade Report (IDR) for traferring accounts to GSAM.

Othe

？Prepare timely stress tests wherever required

？Prepare specific industry study

？Prepare credit opinion reports wherever required.

？Effective use of Creditmate & CRM

？In partnehip with the RM, approve the TAS request as per the bank’s policy (FI specific)

？Prepare summary sheets for FIS (FI specific)

？Prepare intergroup limit application (FI specific)

Selection Criteria:

Will coider candidates with 3 to 4 yea of audit experience.

?Strong planning and organization skills with good ability in identifying and managing different priorities in a dynamic, fast-changing business environment

?Solid team player with effective interpeonal and communication skills – able to interact with and engage staff and manage at all levels

?Able to deliver under tight time pressure, with strong peonal drive and willingness to go the extra mile to eure work is done efficiently together with good quality

?Good awareness of business trends in the local marketplace and of the Bank’s priorities across Businesses and Functio

?Strong language skills in both English and Putonghua (verbal and written)

Please send your resume to: , with the position and location in subject.

To apply, visit www.standardchartered.com/caree

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