CREDIT ANALYST at Standard Chartered Botswana

Job Description
	1.   To support the establishment, development, and maintenance of the team’s portfolio of corporate clients who require routine, as well as complex finance and other Corporate Banking services. To generate revenue for the Bank through professional management of corporate relationships under the broad direction of SCB policies, but with the prescribed credit responsibility and accountability. Two broad purposes: • Risk Management: preparation of Business Credit Applications (BCAs) and Credit Monitoring and Housekeeping. •    RM  Support: maintain and exercise control over respective RM  portfolios, and provide sales support to their respective RM
	Key Roles & Responsibilities
	Enter roles and responsibilities • Prepare Business Credit Applications, which includes the Part I & II, financial analysis, risk analysis, industry analysis, RAPTOR & RoRWA assessments, financial spreads (MFA), projections and credit risk grade assessments & Ethical & Social Risk Assessments (ESRA). BCAs to be prepared for the renewal of facilities extended to current relationships (& interim reviews where mandated), and to initiate new relationships with prospective clients. • Monitor and manage risk on an ongoing and proactive basis. This is through the monitoring of risk triggers, covenants / approvals conditions and report any breaches. In certain cases business adopts quarterly performance reviews (QPR’s) to monitor these aspects.  • To assist in preparing management reports relating to credit approvals, excesses (including monitoring and regularizing daily excess reports), extensions, earmarking, early alert reports, risk trigger monitoring, covenant breach monitoring, approval conditions, etc. to ensure all controls are complied with at all times. • Identify report and act upon materiel risks proactively and raise Early Alert Reports (EAR’s) in time to take corrective actions. • Maintain and exercise control over allotted RM portfolios to ensure that services to our customers are of the highest standard, while constantly monitoring customer quality in order to minimise the risk of loss to the bank. • To coordinate with CRC for the issuance of security documentation (BFL, etc) and liaise with client to ensure completion. Also follow up with client for submission of audited financial statements, management accounts, ageing debtors and all other information/documents required or approved as a condition. • Provide RM  support in meeting their sales targets and help to act as the interface with the client for all credit related issues. • Ensure that all administration associated with the team portfolio is done accurately in accordance with laid down procedures and on a timely basis in addition to undertaking regular inspection of assets and documents which represent security for the Bank. • Ensure that portfolio review/audit results in good ratings and nothing negative is highlighted in the accounts allocated
	Qualifications & Skills
	Enter qualifications and skills Business or accounting related degree. • Minimum 3 years experience in a corporate banking environment. • Sound understanding of commercial banking, trade finance and financial markets products. Added knowledge of consumer banking products and wealth management products would advantageous. • Strong credit appraisal, analytical and marketing skills, with the ability to interpret complex financial information. • A good understanding of the general, economic, political and business environment     of the region
	Diversity & Inclusion
	Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential. APPLY