Job Description
Credit Analyst, Medium Enterprises -()Job:Institutional BankingPrimary Location:Asia-India-GandhinagarOther Locations:Asia-India-GandhinagarSchedule:Full-timeEmployee Status:PermanentPosting Date:08/Apr/2026, 5:06:26 AMUnposting Date:14/Apr/2026, 2:2+:00 PM About Standard Chartered We're an international bank, nimble enough to act, big enough for impact
For more than 160 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 Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term 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, parental/maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with 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
Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to
If you are invited to take an assessment, this is great news
It means your application has progressed to an important stage of our recruitment process
Role 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 Creditlens, RMWB, Raptor, Scorecard, 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 GAM 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 – like Fraud Risk Analytics, Credit Analytics etc
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 Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes
For more than 160 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 Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term 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, parental/maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with 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
Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to
If you are invited to take an assessment, this is great news
It means your application has progressed to an important stage of our recruitment process
Role 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 Creditlens, RMWB, Raptor, Scorecard, 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 GAM 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 – like Fraud Risk Analytics, Credit Analytics etc
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 Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes
💡 Quick Summary
Seeking a career-building opportunity? The Credit Analyst| Medium Enterprises position is now open for candidates interested in the Bank Jobs sector. This role in Gandhinagar offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
