Job Summary

The role holder will be responsible for proactively managing the credit risk (monitoring and analysis) of a complex portfolio of Global Banking (GB) accounts in close co-ordination with the originating deal team
Manage respective Portfolio

Responsibilities

Strategy

Ensure forward looking Credit analysis and make recommendations to actively sell down/Credit insure riskier assets in the book.
Ability to analyse Risk/Return analysis and optimise profits (own portfolio as well as Directs (as applicable)). Recommendations to be based on forward looking risks (driven by CG downgrades and hence incremental Credit losses, stress tests,etc)
Ability to support on packaging deals with the distribution / securitisation teams for Funded/Unfunded Risk Participations or synthetic sell downs (eg. CLOs)
Ability to work closely with SAG/ SAR and the respective GB product to ensure that stage 3 ECLs are reasonable and arrived logically with realistic assumptions
Actively support in managing the GB loan portfolio returns by minimising ECLs (overall ECL to be within the Budget set for Financing Risk)
Monitor LGD benefits remains in line with the benefits expected during deal origination
Support GB's sustainable initiative including managing manual inputs on CRR5201a
Role Holder will also be accountable for training new joiners and PAM Hub Team

Business

Proactive, comprehensive and timely credit analysis through BCA renewals, quarterly performance reporting, waiver and amendment requests and documentation of credit events;
Evaluation and understanding of risks associated with Financing Solutions/Leverage and Acquisition Finance/Project and Export Finance/Structured Finance assets, structural, contractual and external risks;
Financial analysis of a complex customer base using credit skills; ratio analysis; balance sheet and cashflow analysis;
Evaluation of security, including parental support;
Evaluation of project company management and strategy;
Early detection of adverse credit issues and early alert reporting to credit as required;
Ensure forward looking Credit analysis and make recommendations to actively sell down/Credit insure riskier assets in the book. Ability to analyse Risk/Return analysis and optimise profits (own portfolio as well as Directs (as applicable)). Recommendations to be based on forward looking risks (driven by CG downgrades and hence incremental Credit losses, stress tests, etc) support on packaging deals with the distribution / securitisation teams for Funded/Unfunded Risk Participations or synthetic sell downs (eg. CLOs)

Processes

Monitoring, review and reporting (where required) of covenanted items;
Quarterly portfolio reporting;
Portfolio Risk/Return analysis and profit optimisation
Timely response to portfolio related queries to other areas in the Bank;
Accurate and timely responses to ad hoc reporting requests;
Ensure that credit files are complete and maintained to an auditable standard.
Timeliness and quality of credit analysis;
Protection of the credit risk profile of the portfolio when making recommendations to credit; and
Timeliness and accuracy in reporting.
Active participation in projects which will impact upon the GB Portfolio.
To actively participate in various process and policy transformation initiatives.
Compliance with Bank policy and procedures

People & Talent

Credit analysis skills;
Financial analysis skills;
Able to analyse excel-based financial models;
Must be sensitive to short time frames and be able to quickly assess and turnaround applications to credit;
Excellent oral and written communication skills are required; and
Ability to demonstrate initiative people leadership.

Governance

Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
Responsible for delivering effective governance; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.

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.
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Lead the respective team 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.

Key Stakeholders

Credit Risk, Global Banking Business Partners, Coverage RMs, Loan Syndications, Audit

Our Ideal Candidate

Bachelor degree from a recognizable university.
Oral and written communication skills.
2 years of credit analysis experience.
Financial analysis of a complex customer base using credit skills; ratio analysis; balance sheet and cashflow analysis.
Experience and knowledge on Risk Mitigation, Financial Analysis, Financial Modeling.
Core Credit Curriculum Certified (internal SCB course).
Ability to analyse excel-based financial models.
Credit analysis experience for specialised finance transaction would be an advantage.

Role Specific Technical Competencies

Ability to undertake credit analysis and evaluation and understanding of risks associated with Global Banking Transactions.
Able to analyse excel-based financial models.
Risk Management and Internal Controls.
Manage Conduct.
Compliance - Governance, Oversight and Control.
Business - Strategy and Model.
Business - Market Knowledge

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.

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.

Visit our careers website www.sc.com/careers

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