Vacancy notice:
Standard Chartered is committed to Diversity and Inclusion. It believes that a work environment which embraces diversity will enable the Bank 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.

ROLE: Senior Credit Manager - Corporates

KEY RESPONSIBILITIES:
> To ensure that the quality of the corporate credit portfolio in the Bank is maintained within acceptable parameters, as defined by the Credit Policy and Portfolio Standards (PS)
> Exercise risk control responsibility for Credit Risk in Corporate portfolio in the Bank
> Formulating and obtaining approval of Local Credit Policy / Underwriting Standards
> Approval of Business Credit Applications falling within own discretion and support of applications, which require review outside the territory.
> Assisting Business in identification and managing up or out of accounts exhibiting signs of deterioration and assisting Special Assets Management, where appropriate, in managing substandard accounts
> Ensuring that the quality of Business Credit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis
> Regular stress testing of portfolio / segments as required by internal and external factors and review results and assessing their implications
> Ensure Early Alert process, for clients with weaknesses or potential weaknesses, is adhered to and lead monthly Credit Issue Committee discussions

> Monitoring and reporting breaches to Risk Triggers outlined in Underwriting Standards and breaches of Local Portfolio Standards parameters on monthly / quarterly basis
> Monitoring compliance with Credit Policy, Local Portfolio Standards, portfolio targets and business strategy on a monthly / quarterly basis
> Daily monitoring of portfolio with respect to excess, past due, renewal of security documents, etc
> Timely submission with accuracy of Nepal credit portfolio data to the Risk Committee
> Undertake regular customer visits to keep abreast of local market developments and better understand the business environment
> Apply a duty of care and awareness, for the full spectrum of risks (including operational risk, reputational risk, event risk, etc) over the Corporate Business.
> Ensure compliance to the Risk Management framework
> Effectively manage the key stakeholders relevant to the roles and build net work with the stakeholders inside and outside the bank
> Reporting of material risk exposures and related issues to the responsible governance committees and to Group and business-level committees as appropriate
> Implementing and compliance of all applicable rules, regulations, policy and procedures effectively in the risk management of the credit portfolio
> Co-ordinating with local resources to ensure that credit systems are installed in accordance with Group standard and local regulations
> Effective management of the loan asset portfolio for maximising Economic Revenue and maintaining credit quality

SELECTION CRITERIA:
> MBA in Finance / Accounts from a recognised university. Preference will be given to those with additional professional qualifications like CA, CFA, etc.
> Min. of 7 years of experience in corporate relationship management / lending
> Strong risk analytical approach and skills
> Very good writing and communication skills in English

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Application Deadline: August 9, 2017