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This Position is for a Credit Analyst with a bank location in Philadelphia, MS.-------------------------------Position Credit AnalystLocation OpenHours Monday - Friday: 8 am to 5 pm-------------------------------About The PositionProvide bank management with timely and accurate information related to the credit quality of its loan portfolio.About The OpportunityThe Citizens Bank opened in 1908 in Philadelphia, MS, and it quickly earned a reputation for safety, confidence, honesty, integrity, and hard work. Throughout its history, the bank held steadfast to its commitment to be a bedrock partner to the communities it serves. Today, still grounded in the principles on which we were founded, our bank serves the state of Mississippi through 26 branch offices and beyond with its digital and mobile banking solutions. Our high-tech, high-touch approach to full-service banking helps us provide the products and services of larger banks, but with a level of service that only a community bank committed to extraordinary service can provide. We're different. We appreciate and respect our past, but our sights are clearly set on building an even better bank for the future, and it starts with our people. Our commitment to making the bank a great place to work is woven into the fabric of our core values - SERVE.Essential DutiesSpread and analyze customer financial statements, specifically to determine cash flow on existing and new customers. Provide underwriting support. Develop pertinent information for lenders and loan committee for use in the approval process of new, renewal and extension loans. Evaluate quality of financial information submitted prior to performing analysis to determine if there is a need for additional information. Review and summarize all available business and/or personal financial information on relationships. Prepare quantitative written assessments detailing analysis for use in making credit decisions. Other duties as required by supervisory personnel.The Right Person3 - 12 months successful experience in credit underwriting, asset valuation or similar work environment.Exceptional Verbal and Written Communication Skills.Exceptional Knowledge/Use of Microsoft Office products.Ability to work independently within time constraints.4-year degree in banking & finance, accounting or related field.VEVRAA Federal Contractor. Priority referral of protected veteransShow moreShow less

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 This Position is for a Credit Analyst with a bank location in Philadelphia, MS. <ul><li> ------------------------------- </li></ul>Position Credit Analyst Location Open Hours Monday - Friday: 8 am to 5 pm <ul><li> ------------------------------- </li></ul>About The Position Provide bank management with timely and accurate information related to the credit quality of its loan portfolio. About The Opportunity The Citizens Bank opened in 1908 in Philadelphia, MS, and it quickly earned a reputation for safety, confidence, honesty, integrity, and hard work. Throughout its history, the bank held steadfast to its commitment to be a bedrock partner to the communities it serves. Today, still grounded in the principles on which we were founded, our bank serves the state of Mississippi through 26 branch offices and beyond with its digital and mobile banking solutions. Our high-tech, high-touch approach to full-service banking helps us provide the products and services of larger banks, but with a level of service that only a community bank committed to extraordinary service can provide. We're different. We appreciate and respect our past, but our sights are clearly set on building an even better bank for the future, and it starts with our people. Our commitment to making the bank a great place to work is woven into the fabric of our core values - SERVE. Essential Duties Spread and analyze customer financial statements, specifically to determine cash flow on existing and new customers. Provide underwriting support. Develop pertinent information for lenders and loan committee for use in the approval process of new, renewal and extension loans. Evaluate quality of financial information submitted prior to performing analysis to determine if there is a need for additional information. Review and summarize all available business and/or personal financial information on relationships. Prepare quantitative written assessments detailing analysis for use in making credit decisions. Other duties as required by supervisory personnel. The Right Person 3 - 12 months successful experience in credit underwriting, asset valuation or similar work environment. Exceptional Verbal and Written Communication Skills. Exceptional Knowledge/Use of Microsoft Office products. Ability to work independently within time constraints. 4-year degree in banking &amp; finance, accounting or related field. VEVRAA Federal Contractor. Priority referral of protected veterans
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Credit Analyst / Philadelphia / 3122

Were Hiring!!! Credit Analyst Australian Mortgage Position Title: Credit Analyst Department: Australian Mortgage Person Specification, Competencies, and Attitudes * Exceptional customer service skills with a friendly and professional * Proactive and able to take necessary actions and make decisions to meet objectives and deadlines. * Strong problem-solving skills with the ability to work independently and proactively. * Capable of working autonomously with minimal supervision. * Strong attention to detail when reviewing important documents, identifying errors, ensuring compliance, and maintaining high accuracy through meticulous validation. Well-organized and able to manage and resolve conflicting priorities effectively. Requirements Bachelors degree in a relevant field 2+ years experience in the Australian mortgage only can apply broking industry (AU loan processing) immediate joiners Experience using aggregator CRMs such as MyCRM, Infynity, Mercury Nexus, Flex, or SalesTrekker Familiar with project/task management tools ( Monday.com , Trello, Airtable, etc.) Regards, Name: Jennifer Contact : 9148864181 Email ID : Jennifer.kkk@firstsource.com FORWARD THIS MAIL TO ALL YOUR FRIENDS Disclaimer: Firstsource follows a fair and transparent hiring process. We never ask for money at any stage of recruitment. Please verify all offers through our official channels or email addresses.

Were Hiring!!! Credit Analyst Australian Mortgage Position Title: Credit Analyst Department: Australian Mortgage Person Specification, Competencies, and Attitudes * Exceptional customer service skills with a friendly and professional * Proactive and able to take necessary actions and make decisions to meet objectives and deadlines. * Strong problem-solving skills with the ability to work independently and proactively. * Capable of working autonomously with minimal supervision. * Strong attention to detail when reviewing important documents, identifying errors, ensuring compliance, and maintaining high accuracy through meticulous validation. Well-organized and able to manage and resolve conflicting priorities effectively. Requirements Bachelors degree in a relevant field 2+ years experience in the Australian mortgage only can apply broking industry (AU loan processing) immediate joiners Experience using aggregator CRMs such as MyCRM, Infynity, Mercury Nexus, Flex, or SalesTrekker Familiar with project/task management tools (Monday.com, Trello, Airtable, etc.) Regards, Name: Jennifer Contact : 9148864181 Email ID : Jennifer.kkk@firstsource.com FORWARD THIS MAIL TO ALL YOUR FRIENDS Disclaimer: Firstsource follows a fair and transparent hiring process. We never ask for money at any stage of recruitment. Please verify all offers through our official channels or email addresses.

Australian Mortgage Credit Analyst

OverviewAs a Summer Analyst on Susquehanna's Credit Research team, you will be partnered with our senior analysts and traders to assist in identifying investment opportunities in the credit and bond markets. You will learn to perform in-depth company analysis and provide opinions on how a company’s credit profile might change with new information. Through collaboration with our Credit, Equity, and Macro Analysts, and Fixed Income, ETF, and Derivatives Traders, you will gain experience in the financial markets by tracking company news and events and assisting with valuation work.Our ten-week summer internship program introduces you to our unique approach to research through practical experience on a credit-focused team and through education in a classroom setting.What We're Looking ForIntention to graduate with a bachelor’s or master’s degree and begin full time employment by August 2027Strong written, analytical, and financial research skillsAbility to prioritize and complete multiple tasks in a fast paced, dynamic environmentPrior exposure to fundamental company research preferredDemonstrated interest in the financial marketsFamiliarity with a trading environment and derivative products preferredVisa sponsorship for work authorization is not available for this position now or in the futureWhat’s In It For YouOur non-hierarchical culture allows employees of every level to thrive and make impact. We are not your typical trading firm – the environment is casual, collaborative and we focus on continuous development.Housing provided for duration of internshipRelaxed dress code: jeans and sneakers are the norm, shorts all summer longFully stocked kitchens for breakfast, lunch, snacks, and beveragesA forty thousand square-foot state of the art fitness facility with brand-new equipment, multi-purpose courts, group exercise classes, and locker room spacesDiscounts for dining, entertainment, shopping, travel, and attractionsSocial events including a poker tournament, dinners, and sporting events in PhiladelphiaOn-site Wellness CenterOn-site services such as a mailroom, barber, dry cleaning, and car maintenanceOpportunities to give back to the community through Susquehanna sponsored events and donation drivesAbout SusquehannaSusquehanna is a global quantitative trading firm powered by scientific rigor, curiosity, and innovation. Our culture is intellectually driven and highly collaborative, bringing together researchers, engineers, and traders to design and deploy impactful strategies in our systematic trading environment. To meet the unique challenges of global markets, Susquehanna applies machine learning and advanced quantitative research to vast datasets in order to uncover actionable insights and build effective strategies. By uniting deep market expertise with cutting-edge technology, we excel in solving complex problems and pushing boundaries together.If you're a recruiting agency and want to partner with us, please reach out to recruiting@sig.com . Any resume or referral submitted in the absence of a signed agreement will not be eligible for an agency fee.Show moreShow less

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Overview As a Summer Analyst on Susquehanna's Credit Research team, you will be partnered with our senior analysts and traders to assist in identifying investment opportunities in the credit and bond markets. You will learn to perform in-depth company analysis and provide opinions on how a company’s credit profile might change with new information. Through collaboration with our Credit, Equity, and Macro Analysts, and Fixed Income, ETF, and Derivatives Traders, you will gain experience in the financial markets by tracking company news and events and assisting with valuation work. Our ten-week summer internship program introduces you to our unique approach to research through practical experience on a credit-focused team and through education in a classroom setting. What We're Looking For <ul><li>Intention to graduate with a bachelor’s or master’s degree and begin full time employment by August 2027</li><li>Strong written, analytical, and financial research skills</li><li>Ability to prioritize and complete multiple tasks in a fast paced, dynamic environment</li><li>Prior exposure to fundamental company research preferred</li><li>Demonstrated interest in the financial markets</li><li>Familiarity with a trading environment and derivative products preferred</li><li>Visa sponsorship for work authorization is not available for this position now or in the future </li></ul>What’s In It For You <ul><li>Our non-hierarchical culture allows employees of every level to thrive and make impact. We are not your typical trading firm – the environment is casual, collaborative and we focus on continuous development.</li><li>Housing provided for duration of internship</li><li>Relaxed dress code: jeans and sneakers are the norm, shorts all summer long</li><li>Fully stocked kitchens for breakfast, lunch, snacks, and beverages</li><li>A forty thousand square-foot state of the art fitness facility with brand-new equipment, multi-purpose courts, group exercise classes, and locker room spaces</li><li>Discounts for dining, entertainment, shopping, travel, and attractions</li><li>Social events including a poker tournament, dinners, and sporting events in Philadelphia</li><li>On-site Wellness Center</li><li>On-site services such as a mailroom, barber, dry cleaning, and car maintenance</li><li>Opportunities to give back to the community through Susquehanna sponsored events and donation drives </li></ul>About Susquehanna Susquehanna is a global quantitative trading firm powered by scientific rigor, curiosity, and innovation. Our culture is intellectually driven and highly collaborative, bringing together researchers, engineers, and traders to design and deploy impactful strategies in our systematic trading environment. To meet the unique challenges of global markets, Susquehanna applies machine learning and advanced quantitative research to vast datasets in order to uncover actionable insights and build effective strategies. By uniting deep market expertise with cutting-edge technology, we excel in solving complex problems and pushing boundaries together. If you're a recruiting agency and want to partner with us, please reach out to recruiting@sig.com . Any resume or referral submitted in the absence of a signed agreement will not be eligible for an agency fee.
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Credit Analyst Internship: Summer 2026

Evaluate credit risk of the retail loan portfolio belonging to banks, NBFCs, micro finance institutions and home finance companies Analyze past performance & estimate future behaviour of retail loan portfolios using various quantitative tools models Required Candidate profile Credit rating of the retail pool securitization (PTC and DA) mainly for financial sector entities such as NBFCs, HFCs, MFIs etc. Recovery ratings, credit rating of structured debts & guarantee backed

Evaluate credit risk of the retail loan portfolio belonging to banks, NBFCs, micro finance institutions and home finance companies Analyze past performance & estimate future behaviour of retail loan portfolios using various quantitative tools models Required Candidate profileCredit rating of the retail pool securitization (PTC and DA) mainly for financial sector entities such as NBFCs, HFCs, MFIs etc. Recovery ratings, credit rating of structured debts & guarantee backed

Credit Analyst - Structured Finance - Mumbai

Contexte et environnementTotalEnergieshas developed a strong expertise in oil and biofuels, natural gas and electricity trading. Trading entities are based in Geneva, Paris, Houston and Singapore.TotalEnergies installed its European trading hub across in Geneva, which now bring together very large teams around trading activities: TotalEnergies Trading & Shipping (T&S)andTotalEnergies Gas and Power (TGP).T&Sis a trading company in charge of all physical trading and shipping of crude oil and refined products on behalf of the TotalEnergies Company. It has been an active participant all over the supply chain as well as on the derivatives paper market in order to manage the market risk for a long time.TotalEnergies Gas and Power(TGP) is the trading arm of TotalEnergies in the field of low carbon energies. As such, it operates in fast-evolving market dynamics influenced by internal and external factors that require constant adaptation and evolution.We are committed to meeting the energy needs of a growing global population while driving the energy transition. The fast-paced nature of energy trading demands excellence in risk management and a spirit of innovation. We embrace the digital revolution and foster a workplace where expertise, entrepreneurship, agility, and purpose thrive.We invest in our people through continuous training and a strong safety culture. We value passion, ambition, and open-mindedness. While our industry is demanding, we cultivate a friendly and respectful work environment where diversity and collaboration are key to our success.ActivitésStart date: April or May 2026Management of a portfolio of counterpartiesAction : Update or establish credit profile of counterparties within a dedicated business sectorPerform credit risk analysis and prepare credit risk summary including recommendation on credit limits, terms, risk mitigation and where applicable country risk analysis.Tools : Familiar with Financial Analysis. Ability to perform a business review.Macro and Micro view of the Oil sectorAction : Collect and analyse market intelligence data, follow-up of counterparties in the portfolio.Tools : Familiar with competitive strategicReportingAction : Perform various reporting including daily credit limit follow-up, bank exposure, credit risk analysis, insurance follow-up …Tools : Familiar with main Office tools (Excel, Power Bi …)Profil du candidatYou are currently in a Master in Accounting/Finance/Economics/Mathematics/Business Management.You are able to work within a team but also individually when necessary.This position also requires the candidate to be proactive and reliable.Numerate and abilities to work under pressure.Knowledge of energy commodity markets.European languages desirable. English is mandatoryA tri-partite internship agreement is mandatoryInformations supplémentairesTotalEnergies valorise la diversité, promeut le développement individuel et offre des opportunités d'emploi égales à tous les candidats.Show moreShow less

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Contexte et environnement TotalEnergies has developed a strong expertise in oil and biofuels, natural gas and electricity trading. Trading entities are based in Geneva, Paris, Houston and Singapore. TotalEnergies installed its European trading hub across in Geneva, which now bring together very large teams around trading activities: TotalEnergies Trading &amp; Shipping (T&amp;S) and TotalEnergies Gas and Power (TGP). T&amp;S is a trading company in charge of all physical trading and shipping of crude oil and refined products on behalf of the TotalEnergies Company. It has been an active participant all over the supply chain as well as on the derivatives paper market in order to manage the market risk for a long time. TotalEnergies Gas and Power (TGP) is the trading arm of TotalEnergies in the field of low carbon energies. As such, it operates in fast-evolving market dynamics influenced by internal and external factors that require constant adaptation and evolution. We are committed to meeting the energy needs of a growing global population while driving the energy transition. The fast-paced nature of energy trading demands excellence in risk management and a spirit of innovation. We embrace the digital revolution and foster a workplace where expertise, entrepreneurship, agility, and purpose thrive. We invest in our people through continuous training and a strong safety culture. We value passion, ambition, and open-mindedness. While our industry is demanding, we cultivate a friendly and respectful work environment where diversity and collaboration are key to our success. Activités Start date: April or May 2026 <ul><li> Management of a portfolio of counterparties </li><li> Action : Update or establish credit profile of counterparties within a dedicated business sector </li></ul>Perform credit risk analysis and prepare credit risk summary including recommendation on credit limits, terms, risk mitigation and where applicable country risk analysis. <ul><li> Tools : Familiar with Financial Analysis. Ability to perform a business review. </li><li> Macro and Micro view of the Oil sector</li><li> Action : Collect and analyse market intelligence data, follow-up of counterparties in the portfolio. </li><li> Tools : Familiar with competitive strategic </li><li> Reporting</li><li> Action : Perform various reporting including daily credit limit follow-up, bank exposure, credit risk analysis, insurance follow-up … </li><li> Tools : Familiar with main Office tools (Excel, Power Bi …) </li></ul> Profil du candidat <ul><li>You are currently in a Master in Accounting/Finance/Economics/Mathematics/Business Management.</li><li>You are able to work within a team but also individually when necessary.</li><li>This position also requires the candidate to be proactive and reliable.</li><li>Numerate and abilities to work under pressure.</li><li>Knowledge of energy commodity markets.</li><li>European languages desirable. English is mandatory</li><li>A tri-partite internship agreement is mandatory </li></ul> Informations supplémentaires TotalEnergies valorise la diversité, promeut le développement individuel et offre des opportunités d'emploi égales à tous les candidats.
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Credit Analyst Internship

Key Responsibilities
Conducting deep dives and investigations to identify root causes for fraud events and enhancement of controls where required.
Conducting review of accounts downgraded to CG 12 or worse to verify whether account management was conducted in conformity to Group standards, policies and procedures including all applicable local requirements.
Assist in carrying out Peer reviews within country/ across regions to validate effectiveness of processes and controls.
Support the R&C Team Lead in framing of effective processes and controls for implementation of Group policies, and local regulatory requirements, within the country.
Coordinate with internal and external auditors on fronting audits & work with various stakeholders in CCIB CC, Operations and support functions for completion of Management Action Plans, including implementation of required process fixes and socialisation of key themes with stakeholders.
Preparation of Lessons Learnt based upon various investigations undertaken.
Other Activities
Business
Evaluate and identify operational risk implications of business strategies and programmes.
Contribute to and ensure adoption of COO CCIB CC initiatives in the country / countries.
Processes
Execution of CST / KCI for relevant processes in the country / countries.
Support the business in the South Asia countries in minimizing operational risks and losses, and investigation of material operational losses to prevent recurrence.
Risk Management
Ensure compliance with policies applicable to CCIB CC which impact operational risk. Challenge processes, procedures, and policy if there is opportunity for efficiency improvements.
Identify knowledge gaps, facilitate development of training on Operational Risk for business staff and country Risk &Control Teams.
Drive improvements using A3s
Governance
Assist in the effective running of Country CCIB CC Business Risk Forum (BRF).
Ensure adequate governance and oversight of operational risk through the escalation and appropriate resolution of risk exposures to the Country Risk Committee (CRC) and Non-Financial Risk Committees (NFRCs) as required.
Escalate issues, blockages, challenges and trends to Business Heads, Head Risk & Control, as required.
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.
Support Head Risk & Control to achieve the outcomes set out in the Bank's Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Adhere to local regulator [Reserve Bank of India] prescribed responsibilities and Rationale for allocation
Key Stakeholders
CCIB Client Coverage teams in the country
Regional and Country COO
Internal Audit
Regional Head of Risk & Control
Business & Country Compliance teams
Operations (GBS / GTO)
IMO Teams
GBS Hub Teams
Country CFCC team
Regulators and their appointed auditors (where applicable)
Other Responsibilities
Embed Here for Good and Group's brand and values in first line operational risk management.
Key Requirements For The Role
Knowledge of CCIB Client Coverage, Transaction Banking and Financial Markets products  to enable assessment of cross-business issues.
Fair understanding of CCIB Credit Risks and assessment including credit analysis.
Relevant business experience in operations, business analysis or project management.
Strong analytical skills, detail-focused with the ability to interpret large volume of information.
Problem solving skills with ability to influence across all levels of business.
Ability to independently drive initiatives with minimum hands-on supervision.
Qualifications
Bachelor's degree in Banking or Finance preferred.
Ideally 2+ years of experience in banking, analytical or another relevant environment
Languages: English and/or local language skills as relevant to country requirements
Skills And Experience
Manage Conduct
Business Facilitation: Leading initiatives to improve Client experience, efficiency, and cost management
Manage Conduct
Manage Risk
Manage Projects
Business Governance & Support: Projects investment governance, product, and process governance, etc
Information Systems - Applications & PC Skills
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, see more 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.

Key Responsibilities <ul><li> Conducting deep dives and investigations to identify root causes for fraud events and enhancement of controls where required.</li><li> Conducting review of accounts downgraded to CG 12 or worse to verify whether account management was conducted in conformity to Group standards, policies and procedures including all applicable local requirements.</li><li> Assist in carrying out Peer reviews within country/ across regions to validate effectiveness of processes and controls.</li><li> Support the R&C Team Lead in framing of effective processes and controls for implementation of Group policies, and local regulatory requirements, within the country.</li><li> Coordinate with internal and external auditors on fronting audits & work with various stakeholders in CCIB CC, Operations and support functions for completion of Management Action Plans, including implementation of required process fixes and socialisation of key themes with stakeholders.</li><li> Preparation of Lessons Learnt based upon various investigations undertaken. </li></ul>Other Activities Business <ul><li> Evaluate and identify operational risk implications of business strategies and programmes.</li><li> Contribute to and ensure adoption of COO CCIB CC initiatives in the country / countries. </li></ul>Processes <ul><li> Execution of CST / KCI for relevant processes in the country / countries.</li><li> Support the business in the South Asia countries in minimizing operational risks and losses, and investigation of material operational losses to prevent recurrence. </li></ul>Risk Management <ul><li> Ensure compliance with policies applicable to CCIB CC which impact operational risk. Challenge processes, procedures, and policy if there is opportunity for efficiency improvements.</li><li> Identify knowledge gaps, facilitate development of training on Operational Risk for business staff and country Risk &Control Teams.</li><li> Drive improvements using A3s </li></ul>Governance <ul><li> Assist in the effective running of Country CCIB CC Business Risk Forum (BRF).</li><li> Ensure adequate governance and oversight of operational risk through the escalation and appropriate resolution of risk exposures to the Country Risk Committee (CRC) and Non-Financial Risk Committees (NFRCs) as required.</li><li> Escalate issues, blockages, challenges and trends to Business Heads, Head Risk & Control, as required. </li></ul>Regulatory & Business Conduct <ul><li> Display exemplary conduct and live by the Group's Values and Code of Conduct.</li><li> 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.</li><li> Support Head Risk & Control to achieve the outcomes set out in the Bank's Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.</li><li> Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.</li><li> Adhere to local regulator [Reserve Bank of India] prescribed responsibilities and Rationale for allocation </li></ul>Key Stakeholders <ul><li> CCIB Client Coverage teams in the country</li><li> Regional and Country COO</li><li> Internal Audit</li><li> Regional Head of Risk & Control</li><li> Business & Country Compliance teams</li><li> Operations (GBS / GTO)</li><li> IMO Teams</li><li> GBS Hub Teams</li><li> Country CFCC team</li><li> Regulators and their appointed auditors (where applicable) </li></ul>Other Responsibilities <ul><li> Embed Here for Good and Group's brand and values in first line operational risk management. </li></ul>Key Requirements For The Role <ul><li> Knowledge of CCIB Client Coverage, Transaction Banking and Financial Markets products to enable assessment of cross-business issues.</li><li> Fair understanding of CCIB Credit Risks and assessment including credit analysis.</li><li> Relevant business experience in operations, business analysis or project management.</li><li> Strong analytical skills, detail-focused with the ability to interpret large volume of information.</li><li> Problem solving skills with ability to influence across all levels of business.</li><li> Ability to independently drive initiatives with minimum hands-on supervision. </li></ul>Qualifications <ul><li> Bachelor's degree in Banking or Finance preferred.</li><li> Ideally 2+ years of experience in banking, analytical or another relevant environment</li><li> Languages: English and/or local language skills as relevant to country requirements </li></ul>Skills And Experience <ul><li> Manage Conduct</li><li> Business Facilitation: Leading initiatives to improve Client experience, efficiency, and cost management</li><li> Manage Conduct</li><li> Manage Risk</li><li> Manage Projects</li><li> Business Governance & Support: Projects investment governance, product, and process governance, etc</li><li> Information Systems - Applications & PC Skills </li></ul>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 <ul><li>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</li><li>Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well</li><li>Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term </li></ul>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. <ul><li>Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.</li><li>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.</li><li>Flexible working options based around home and office locations, with flexible working patterns.</li><li>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</li><li>A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.</li><li>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.</li></ul>

Credit Analyst - SME ME

Credit Analyst Location : Virar West/ Borivali east (On-site) Shift Timing : 6:00 AM to 2:30 PM IST (Aligned with Australian Business Hours) Job Type: Full-Time | Permanent About the Role: We are hiring a Credit Analyst to support our growing Australian mortgage processing operations. This is an excellent opportunity for candidates looking to build a career in financial services with full training provided from scratch no prior experience required. You will be trained across all stages of the mortgage process, from pre-settlement to post-settlement, including valuation, lodgment, income analysis, and end-to-end application management. What You'll Learn and Do: Training Includes: Understanding credit policies and lender requirements Income analysis and income statement calculation Loan application review and documentation Lodgment and valuation coordination Managing pre- and post-settlement workflows Working with Australian brokers and lenders Responsibilities : Analyze client financial documents such as pay slips, bank statements, and tax returns Ensure accurate and complete loan application submissions Communicate with internal teams and external stakeholders in Australia Maintain detailed records in CRM systems Monitor applications to ensure they progress smoothly through the pipeline Adhere to compliance and quality standards What we are looking for: Recent graduate or experienced candidate from Finance, Commerce, or Business background Strong attention to detail and analytical mindset Excellent written and verbal communication skills Proficient in MS Office tools, especially Excel Comfortable working in early morning shifts (6 AM 2:30 PM IST) Willing to work from Virar West office Why Work With Us and what we offer? Full training and onboarding support provided Stable Australian mortgage process with long-term growth potential Fixed early day shift (no night work) Great work environment and supportive team 1 way pick up service (at login time from Virar station west to Office Only)

Credit Analyst Location: Virar West/ Borivali east (On-site)Shift Timing: 6:00 AM to 2:30 PM IST (Aligned with Australian Business Hours)Job Type: Full-Time | Permanent About the Role:We are hiring a Credit Analyst to support our growing Australian mortgage processing operations. This is an excellent opportunity for candidates looking to build a career in financial services with full training provided from scratch no prior experience required.You will be trained across all stages of the mortgage process, from pre-settlement to post-settlement, including valuation, lodgment, income analysis, and end-to-end application management. What You'll Learn and Do:Training Includes:<ul><li>Understanding credit policies and lender requirements</li><li>Income analysis and income statement calculation</li><li>Loan application review and documentation</li><li>Lodgment and valuation coordination</li><li>Managing pre- and post-settlement workflows</li><li>Working with Australian brokers and lenders</li></ul> Responsibilities:<ul><li>Analyze client financial documents such as pay slips, bank statements, and tax returns</li><li>Ensure accurate and complete loan application submissions</li><li>Communicate with internal teams and external stakeholders in Australia</li><li>Maintain detailed records in CRM systems</li><li>Monitor applications to ensure they progress smoothly through the pipeline</li><li>Adhere to compliance and quality standards</li></ul> What we are looking for:<ul><li>Recent graduate or experienced candidate from Finance, Commerce, or Business background</li><li>Strong attention to detail and analytical mindset</li><li>Excellent written and verbal communication skills</li><li>Proficient in MS Office tools, especially Excel</li><li>Comfortable working in early morning shifts (6 AM 2:30 PM IST)</li><li>Willing to work from Virar West office</li></ul> Why Work With Us and what we offer?<ul><li>Full training and onboarding support provided</li><li>Stable Australian mortgage process with long-term growth potential</li><li>Fixed early day shift (no night work)</li><li>Great work environment and supportive team</li><li>1 way pick up service (at login time from Virar station west to Office Only) </li></ul>

Credit Analyst

French Language Expert -Financial Services - Credit Analyst / Senior Credit Analyst-2 years -Pune Location  Pune (Hybrid) Language -French (Read, Speak & Write) (must*) A great opportunity for professionals skilled in credit analysis, financial research, and French language proficiency to join a global analytical team. This role involves supporting international credit rating processes, conducting in-depth financial & sector analysis, and collaborating with global stakeholders. Your Future Employer- A leading global organization providing analytical and research support to international markets. Responsibilities Support international credit analysts with monitoring credit portfolios and tracking credit events. Conduct sector research for International Public Finance (IPF) — macroeconomic trends, regulatory changes, financial performance indicators. Analyse financial statements, ratios, liquidity, governance, and off-balance-sheet items. Develop and maintain financial models; prepare internal credit notes . Ensure process adherence, documentation, and compliance with internal policies. Build and maintain strong relationships with international stakeholders. Requirements 2–5 years of experience in credit analysis / credit research in global markets. Strong understanding of financial analysis, accounting concepts, and economic indicators. French language proficiency (basic to intermediate). Excellent communication skills and ability to work with global teams. Educational background: MBA (Finance) / CA / CFA / Economics . Ability to work independently, handle pressure, and maintain accuracy. What’s in it for you Opportunity to work with an international analytics team. Exposure to global credit rating methodologies and financial markets. Skill enhancement in modelling, sector research, and stakeholder management. Fast-paced, performance-driven environment with continuous learning. Reach Us- If you think this role aligns with your career aspirations, kindly email your updated CV to parul.arora@crescendogroup.in for a confidential discussion. Disclaimer- We specialize in senior to mid-level niche hiring and aim to provide a smooth and engaging recruitment experience. We do not discriminate on the basis of gender, age, ethnicity, religion, orientation, or disability. Note- If you do not hear back within a week, kindly consider that your profile is not shortlisted at this moment. Keywords- Credit Analyst Jobs | Financial Analysis Jobs | French Language Jobs | Research Analyst | Credit Research | Global Markets | Financial Modelling | Economics Jobs | Pune Jobs | Analyst Roles | Public Finance | Financial Ratios | Debt Analysis | Investment Research | Analyst Hiring

French Language Expert -Financial Services - Credit Analyst / Senior Credit Analyst-2 years -Pune Location Pune (Hybrid) Language -French (Read, Speak & Write) (must*) A great opportunity for professionals skilled in credit analysis, financial research, and French language proficiency to join a global analytical team. This role involves supporting international credit rating processes, conducting in-depth financial & sector analysis, and collaborating with global stakeholders. Your Future Employer-A leading global organization providing analytical and research support to international markets. Responsibilities<ol type="1"><li>Support international credit analysts with monitoring credit portfolios and tracking credit events.</li><li>Conduct sector research for International Public Finance (IPF) — macroeconomic trends, regulatory changes, financial performance indicators.</li><li>Analyse financial statements, ratios, liquidity, governance, and off-balance-sheet items.</li><li>Develop and maintain financial models; prepare internal credit notes.</li><li>Ensure process adherence, documentation, and compliance with internal policies.</li><li>Build and maintain strong relationships with international stakeholders.</li></ol> Requirements<ol type="1"><li>2–5 years of experience in credit analysis / credit research in global markets.</li><li>Strong understanding of financial analysis, accounting concepts, and economic indicators.</li><li>French language proficiency (basic to intermediate).</li><li>Excellent communication skills and ability to work with global teams.</li><li>Educational background: MBA (Finance) / CA / CFA / Economics.</li><li>Ability to work independently, handle pressure, and maintain accuracy.</li></ol> What’s in it for you<ul><li>Opportunity to work with an international analytics team.</li><li>Exposure to global credit rating methodologies and financial markets.</li><li>Skill enhancement in modelling, sector research, and stakeholder management.</li><li>Fast-paced, performance-driven environment with continuous learning.</li></ul> Reach Us-If you think this role aligns with your career aspirations, kindly email your updated CV to parul.arora@crescendogroup.in for a confidential discussion. Disclaimer-We specialize in senior to mid-level niche hiring and aim to provide a smooth and engaging recruitment experience. We do not discriminate on the basis of gender, age, ethnicity, religion, orientation, or disability. Note-If you do not hear back within a week, kindly consider that your profile is not shortlisted at this moment. Keywords-Credit Analyst Jobs | Financial Analysis Jobs | French Language Jobs | Research Analyst | Credit Research | Global Markets | Financial Modelling | Economics Jobs | Pune Jobs | Analyst Roles | Public Finance | Financial Ratios | Debt Analysis | Investment Research | Analyst Hiring

French Language Specialist - Credit Analyst-Financial Services -3Yrs

Job Title:Credit AnalystSector:Real Estate FinanceLocation:LondonSalary: up to £50,000Job Ref:25083About the role:Our consultancy client is seeking a results-driven Real Estate Finance Credit Analyst with a strong background in financial analysis and credit evaluation to join our growing Real Estate Finance team.In this role, you will work closely with our Business Origination team to evaluate financing requests and underwrite credit applications. You will be instrumental in driving the growth of our financing activitie,s ensuring we back the right deals.Key Responsibilities:Collate all relevant information that will inform credit and deal evaluation.Conduct financial due diligence including in-depth analysis of data provided by potential customers and assessment of relevant real estate market conditions.Underwrite, draft and review credit applications; perform financial ratio analysis and stress testing; identify key risks and propose mitigants.Support the Business Origination team by contacting clients for updates and financial information to support the credit application process.Produce credit risk reports, financing performance reviews, and trend analysis.Contribute to the refinement of underwriting standards, workflows, and risk assessment methodologiesMaintain awareness of macroeconomic trends, property market developments, and competitor activity to inform credit strategy.Support cross-functional working with operations team to ensure processes align with strategic and regulatory goals.Required Skills & Experience:2+ years of credit risk experience, preferably in fintech, financing, or investment.Familiarity with UK property-backed financing and associated credit risk evaluation.Advanced proficiency in Microsoft Office Product suite, in particular Excel.Strong foundation in credit analysis, financial modelling, and risk assessment.Exceptional analytical skills with the ability to translate data into actionable insight.Comfortable working in a high-growth, data-driven environment.Show moreShow less

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Job Title: Credit AnalystSector: Real Estate FinanceLocation: LondonSalary: up to £50,000Job Ref: 25083 About the role: Our consultancy client is seeking a results-driven Real Estate Finance Credit Analyst with a strong background in financial analysis and credit evaluation to join our growing Real Estate Finance team. In this role, you will work closely with our Business Origination team to evaluate financing requests and underwrite credit applications. You will be instrumental in driving the growth of our financing activitie,s ensuring we back the right deals. Key Responsibilities: <ul><li>Collate all relevant information that will inform credit and deal evaluation.</li><li>Conduct financial due diligence including in-depth analysis of data provided by potential customers and assessment of relevant real estate market conditions.</li><li>Underwrite, draft and review credit applications; perform financial ratio analysis and stress testing; identify key risks and propose mitigants.</li><li>Support the Business Origination team by contacting clients for updates and financial information to support the credit application process.</li><li>Produce credit risk reports, financing performance reviews, and trend analysis.</li><li>Contribute to the refinement of underwriting standards, workflows, and risk assessment methodologies</li><li>Maintain awareness of macroeconomic trends, property market developments, and competitor activity to inform credit strategy.</li><li>Support cross-functional working with operations team to ensure processes align with strategic and regulatory goals.</li></ul> Required Skills &amp; Experience: <ul><li>2+ years of credit risk experience, preferably in fintech, financing, or investment.</li><li>Familiarity with UK property-backed financing and associated credit risk evaluation.</li><li>Advanced proficiency in Microsoft Office Product suite, in particular Excel.</li><li>Strong foundation in credit analysis, financial modelling, and risk assessment.</li><li>Exceptional analytical skills with the ability to translate data into actionable insight.</li><li>Comfortable working in a high-growth, data-driven environment.</li></ul>
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Credit Analyst – Real Estate/Property - London - Permanent – Job Ref: 25083

About CAMPU
CAMPU refers to CAM processing unit and is part of Wholesale Banking coverage group of the bank. This is a centralized
team handling CAM Preparation activity for CBG and is working under GIGA for last 15 months.
Presently team has following sections:
1. CAMPU MEG- Taking care of ETB cases for renewals. Team is also taking care of enhancements on specific request.
Now we are proposing undertaking NTB cases upto RCC level of committee for May 2023 onwards.
2. CAMPU SEG- Handling ticket size of upto Rs. 10 crs:
a. In Principal Team- Taking care of IP issuance/rejection for all NTB logins
b. ETB Team- Taking care of renewals of upto Rs. 10 crs.
c. NTB Set 2 team- Taking care of note preparation of NTB clients after the IP stage
Note: As an exception, team is also handling cases of enhancements as well as NTBs/ETBs with ticket size
more than 10 crs.
3. Team is also taking care of projects assigned from time to time by CO. Such as Stale rating, Centralized STP
processing etc.
4. Governance and MIS for CBG.
About the Role
WBCG: Credit Analyst MEG - CAMPU will be primarily responsible to process the CAMs for renewal of the Credit limits
sanctioned to MEG borrowers. They may also process renewal with enhancements and NTB CAMs as per the bandwidth and
upon assignments from their supervisors. SCA shall act as second line of leadership for them and shall support the team. Credit
analysts are responsible for the adherence of the credit policy while processing CAMs and are responsible for the quality of
the CAMs.
Along with CAM processing, they will also be responsible for some project related task that may be assigned to them time to
time which may include but not limited to Stale rating. CARO covenant tracking, PSL identification activity, MIS activity or any
other such ancillary activities.
The core KRAs of the Credit analysts are
- Productivity (No of cases processed for the defined period)
- Quality of the CAM (FTR/NFTR)
- Successful completion of training modules
- Compliance modules
- Key projects handled
- Other such KRA decided from time to time.
Key Responsibilities
1. CAM Processing for Renewal/ Renewal cum enhancements/ NTBs upto RCC committees. 2. Stakeholder management for assigned area of work. 3. Ensuring quality of the CAM in compliance of the CCP. 4. Undertaking stale rating completion. 5. Project handling, MIS, data requirements on need basis.
Qualifications
Optimal qualification for success on the job is:
. Education- MBA in Finance, Chartered Accountant or Semi Qualified CA (formal degrees, certifications subject to
minimum 4 years of experience in credit).
. Experience- 1 years of experience in banking/Finance which takes care of the required skill set. (No. of years,
relevant fields)
Role Proficiencies:
For successful execution of the job, a candidate should possess the following:
. Knowledge - In regard to the preparation of CAM/job responsibility of the relevant assembly line. Candidates need
to know all the aspects of the job with advanced level of understanding.
. Skills - Understanding of the financial ratios, financial statements, due diligence for CAM preparation.
. Abilities - Aptitude for team/stakeholder management, good communication and writing skills.

<div>About CAMPUCAMPU refers to CAM processing unit and is part of Wholesale Banking coverage group of the bank. This is a centralizedteam handling CAM Preparation activity for CBG and is working under GIGA for last 15 months.Presently team has following sections:1. CAMPU MEG- Taking care of ETB cases for renewals. Team is also taking care of enhancements on specific request.Now we are proposing undertaking NTB cases upto RCC level of committee for May 2023 onwards.2. CAMPU SEG- Handling ticket size of upto Rs. 10 crs:a. In Principal Team- Taking care of IP issuance/rejection for all NTB loginsb. ETB Team- Taking care of renewals of upto Rs. 10 crs.c. NTB Set 2 team- Taking care of note preparation of NTB clients after the IP stageNote: As an exception, team is also handling cases of enhancements as well as NTBs/ETBs with ticket sizemore than 10 crs.3. Team is also taking care of projects assigned from time to time by CO. Such as Stale rating, Centralized STPprocessing etc.4. Governance and MIS for CBG.About the RoleWBCG: Credit Analyst MEG - CAMPU will be primarily responsible to process the CAMs for renewal of the Credit limitssanctioned to MEG borrowers. They may also process renewal with enhancements and NTB CAMs as per the bandwidth andupon assignments from their supervisors. SCA shall act as second line of leadership for them and shall support the team. Creditanalysts are responsible for the adherence of the credit policy while processing CAMs and are responsible for the quality ofthe CAMs.Along with CAM processing, they will also be responsible for some project related task that may be assigned to them time totime which may include but not limited to Stale rating. CARO covenant tracking, PSL identification activity, MIS activity or anyother such ancillary activities.The core KRAs of the Credit analysts are- Productivity (No of cases processed for the defined period)- Quality of the CAM (FTR/NFTR)- Successful completion of training modules- Compliance modules- Key projects handled- Other such KRA decided from time to time.Key Responsibilities1. CAM Processing for Renewal/ Renewal cum enhancements/ NTBs upto RCC committees. 2. Stakeholder management for assigned area of work. 3. Ensuring quality of the CAM in compliance of the CCP. 4. Undertaking stale rating completion. 5. Project handling, MIS, data requirements on need basis.QualificationsOptimal qualification for success on the job is:. Education- MBA in Finance, Chartered Accountant or Semi Qualified CA (formal degrees, certifications subject tominimum 4 years of experience in credit).. Experience- 1 years of experience in banking/Finance which takes care of the required skill set. (No. of years,relevant fields)Role Proficiencies:For successful execution of the job, a candidate should possess the following:. Knowledge - In regard to the preparation of CAM/job responsibility of the relevant assembly line. Candidates needto know all the aspects of the job with advanced level of understanding.. Skills - Understanding of the financial ratios, financial statements, due diligence for CAM preparation.. Abilities - Aptitude for team/stakeholder management, good communication and writing skills.</div>

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