Credit Analyst - SME BWC

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Requisition Number: 57036

Job Location: Kolkata, IND

Global Grade: Band 9

Work Type: Office Working

Employment Type: Permanent

Posting Start Date: 08/07/2026

Posting End Date: 22/07/2026

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Job Summary

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.

Work with the RM, in a) obtaining all pre clearances b) preparing & presenting work-shopping note and c) expediting approvals.

Responsible for end-to-end BCA process using all the tools like Credimate , etc and perform, in-depth analysis of various risks, make quality presentation and ensure fast credit approval.

Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the BCA/ Regulatory checklist, other special reporting requirements, etc.

Liaise with Credit for limit approval/allocation.

Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.

Ensure timely submission of quality Quarterly Credit/ Performance Reports

Review reports from various tools

Monitor Risk Triggers, Covenants and other credit conditions and report appropriately

Ensure Zero BCA and CaRT over dues.

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 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

Work with RM on account management with stressed asset team

Embed usage of Credit Risk Analytics and Credit Anlytics Framework.

Ensure portfolio is maintained with high quality – both, from credit risk and hygiene perspective.

Display exemplary conduct and live by the Group’s Values and Code of Conduct.

Ensure adequate and appropriate systems and controls are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Operational Risk, Technology and Operations, Finance and Reputation

Manage Key Stakeholders both internal and external.

Key Responsibilities

Business

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.

Work with the RM, in a) obtaining all pre clearances b) preparing & presenting work-shopping note and c) expediting approvals.

Responsible for end-to-end BCA process using all the tools like Credimate , etc and perform, in-depth analysis of various risks, make quality presentation and ensure fast credit approval.

Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the BCA/ Regulatory checklist, other special reporting requirements, etc.

Coordinate and prepare for credit meetings

Liaise with Credit for limit approval/allocation.

Processes

Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.

Ensure timely submission of quality Quarterly Credit/ Performance Reports

Review reports from various tools

Monitor Risk Triggers, Covenants and other credit conditions and report appropriately

Ensure Zero BCA and CaRT over dues.

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 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

Work with RM on account management with stressed asset team

Embed usage of Credit Risk Analytics and Credit Anlytics Framework.

Ensure portfolio is maintained with high quality – both, from credit risk and hygiene perspective.

Risk Management

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.

Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Governance

Ensure adequate and appropriate systems and controls are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Operational Risk, Technology and Operations, Finance and Reputation

Ensure own and team’s adherence with the relevant policies and processes, including

Anti Money laundering (AML) and all applicable money laundering prevention procedures

Client Due Diligence & Related Periodic Reviews

Client Suitability Standards

Treating Customers Fairly

Approval & review of Credit Applications

Maintain Documentary standards

Data Confidentiality

Cross-Border Policy

Sanctions

Environmental and Social Risk Management (ESRM)

Anti-Bribery and Corruption (ABC)

Embed the Group’s values and code of conduct to ensure adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture

Engage with all audit report findings and ensure feedback is acted upon

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 the Business to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.

Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

Internal

Credit

Relationship Manager

Other stake holders (FM/TB/IMO/Audit etc)

External

Clients / Trade associations,

legal firms, Accountants etc

Other Responsibilities

Prepare timely Stress Tests wherever required

Prepare specific industry study

Prepare Credit Opinion reports wherever required.

Effective use of Creditmate

Be prepared to do any other activity which might be required from job perspective

Skills and Experience

Manage Conduct

Manage Risk

Manage People

Business – Market Knowledge

Business-Products and Processes

FM – Products – Bonds and Loans

Qualifications

Substantial experience in the banking industry, including demonstrated success in a similar role.

Must possess sharp business acumen (including ability to assess risk and appropriate levels of return), excellent interpersonal skills and multi-cultural awareness and sensitivity.

Ability to work with geographically dispersed and highly varied stakeholders

At least 1-2 years of relevant experience in credit analysis

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do

Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well

Are better together, we can be ourselves, be inclusive, good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.

Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.

Flexible working options based around home and office locations, with flexible working patterns.

Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits

A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.

Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

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