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JOB SUMMARY

  • Credit Analysts are responsible for providing insightful, succinct and timely credit analysis of clients’ portfolio under their management. The jobholder is accountable for spreading the financials, proposing credit grades via the relevant scorecard, documenting the client risk and mitigants, and ongoing monitoring for credit-material events.
  • Credit Analyst partners closely with Client Coverage Relationship Managers (e.g., Corporate Global Account Manager (GAM) / Regional Account Manager (RAM) / Field Account Manager (FAM)) and Risk teams, supporting the former in developing and executing their client strategies and both in respect of credit analysis and other credit origination and monitoring relevant matters.

RESPONSIBILITIES

Strategy

  • Awareness and understanding of the Group's business strategy and model 

Business

Credit Analyst is primarily responsible for timely drafting of credit analysis comprising of corporate clients as directed by the Team Leader (Head, Credit Analysts). Such analysis should be Insightful, Relevant and Succinct and include the following, inter alia:

  • Discussion of the dynamics and nature of the Client’s industry, including key risk aspects;
  • Assessment of the Client’s competitive positioning within its industry;
  • Discussion of management strength, experience and track record and corporate governance more broadly;
  • Articulation of the Client’s strategy and an assessment of its clarity and associated execution risks;
  • Assessment of funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity
  • Development of a current / forward year base forecast performance expectation
  • Assessment of balance sheet strength, alongside cashflow and profitability vulnerability, via ratio analysis and/or stress testing
  • Discussion of other pertinent risk aspects, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness
  • Evaluation of risks associated with proposed transactions, where required

Preparation of other analysis as directed by the relevant Team Leader, such as Industry specific reviews, portfolio reviews, stress tests, assessments of new prospects etc.

Completion of account spreading (where needed) and scorecard determination, alongside other factors necessary to assess credit grading of clients.

In respect of clients where the role-holder is assigned as analyst, finalisation of relevant Group Mandate and/or Business Credit Application and General Wrong Way Risk, Climate Risk, Environmental and Social Risk, Reputational Risk, Fraud Risk assessment, liaising with Client Coverage as necessary.

Processes

Adhere to all relevant policies and standards under Bank’s Enterprise Risk Management Framework

In respect of Clients where the role-holder is assigned as analyst:

  • Proactive monitoring of key entity or industry wide events and/or developments, as well as of covenants and risk triggers where applicable 
  • Partnering Relationship Managers in pursuing their client strategies through proactive idea generation, support in preparing materials for client discussion and through ensuring they are always fully briefed on key risk aspects 
  • Partnering Risk through clear presentation of credit analysis and proposed credit grading, as well as through proactive and considered discussion of key risk aspects
  • Accompanying Relationship Managers on client and site visits, as part of general due diligence in respect of credit analysis
  • Acting as a broader point of expertise in respect of credit aspects with Product and others across SCB

People & Talent 

  • Support CA Team Leader and others in the team on ad hoc projects and exercises aimed at improving or enhancing the team’s activities.
  • Continually strive to share key relevant knowledge and learning’s with others across the team
  • Provide specific coaching to newer or less experienced members of the team

Risk Management

  • Ensure compliance with data measures when handling client’s and bank’s information by leveraging understanding of the data regulatory environment.
  • Maintain awareness of the Bank’s products programs and their requirements in relation to credit risk when document facilities in the Business Credit Application.

Governance 

  • Maintaining integrity in analysis at all times is critical. This includes frequent and iterative discussion with both Client Coverage and Risk around draft analysis, key sector / geographic trends, as well as discussion of covenants, risk triggers and the like. It involves proactive idea generation and discussion with Client Coverage around potential business opportunities for SCB, assisting both Client Coverage and Risk around transaction structuring and execution, where relevant, and identifying and alerting stakeholders of emerging risk aspects on a continuous basis. 

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 [Credit Analyst team] to achieve the outcomes set out in the Bank’s Conduct Principles:
  • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

Internal Relationships:

  • GAMs, RAMs, FAMs
  • Risk
  • Product partners
  • COBAM, where relevant
  • Legal, Audit and Compliance, where relevant
  • Operations teams, where relevant

External Relationships:

  • Clients
  • Rating Agencies
  • Market Data Services providers

Other Responsibilities

  • Embed Here for good and Group’s brand and values in Credit Analyst Team; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedure. 

Our Ideal Candidate

Key requirements:

  • Analytical strength – to spot emerging risks, in particular
  • Gravitas – to engage with Relationship Managers and Clients alike in a robust, but constructive manner
  • Collaborative – to work in partnership with stakeholders to ‘get things done’, fulfilling the Job Purpose

Experience & Skills:

  • Minimum of 3-5 years’ relevant experience gained either in banking, treasury or accounting environment. Candidates with experience in structuring and executing deals would be preferred.
  • Strong analytical ability, focused on the assessment and calibration of credit risk
  • Strong verbal and written communication skills (in English), with proven ability to work across cultures and within a dynamic environment.
  • Able to hold credible dialogue at all levels of the organisation, as well as with clients.
  • Well organized, able to multi-task and balance competing demands

Qualifications:

  • Graduates 
  • Sound knowledge of accounting and financial principles gained by experience or qualification
  • MBA, FRM or CFA qualifications advantageous, but not required

Role Specific Technical Competencies

Financial Analysis

  • Analyses financial reports and statements to evaluate the Bank’s and/or clients’ performance and investment suitability

Financial Forecast and Modelling

  • Understands and applies processes, tools and techniques for exploring and evaluating alternative financial scenarios and results.

Risk Management (Financial and Non-financial)

  • Identifies and analyses financial risks (e.g., credit risk, market risk, liquidity risk, operational risk and legal risk) along with other risks (Environmental and Social Risk, Reputational Risk, Climate Risk etc) associated with financing and investing activities.

Industry Knowledge

  • Anticipates client’s needs based on strong understanding of the development of the client’s industry.

Regulatory Environment - Financial Services

  • Keeps abreast of new regulations development, assesses the impact on the Bank and clients, and identifies if immediate actions need to be taken to ensure compliance.

Sustainable Finance

  • Supports the Bank and clients in implementing sustainable finance initiatives / products / services.

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 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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Confirmed 12 hours ago. Posted 3 days ago.

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