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JOB SUMMARY
Credit Analysis & Portfolio monitoring:
This position is responsible for credit initiation of new clients as well as periodic credit risk assessment of existing clients in the Natural Resources & Renewables portfolio in the U.S. This would include timely drafting of credit analysis through Business Credit Applications (BCAs) as directed by the Head of Segment/Relationship Managers. Such analysis should be independent and in line with bank approved credit policies and processes and include the following:
1. Discuss overall exposure on the Client, rationale for limits (including lending, trade, corporate finance and FX products), assess overall economic loss and determine business and risk approving authorities.
2. Assess the dynamics and nature of the Client's/Group's business and industry, including key risk aspects.
3. Conduct peer analysis and assess the Client's/Group's competitive positioning within its industry.
4. Assess management strength, experience and track record and corporate governance.
5. Articulate the Client's/Group's strategy and an assessment of its clarity and associated execution risks.
6. Assess funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity.
7. Prepare financial spreads and Internal scorecard to assign internal rating grade to the Client.
8. Assess balance sheet strength, alongside cash flow and profitability vulnerability, via trend and ratio analysis.
9. Assess other pertinent risk aspects and mitigating factors, including country risk, parental and/or governmental linkage/support, holding company risk, collateral evaluation, covenant structure and cushion analysis, relative ranking of indebtedness, structural and / or contractual subordination aspects etc.
10. Conduct leveraged lending assessment in line with U.S. regulatory requirement and support with base and stress case projections to assess repayment capacity over 7 years as well as Enterprise Valuation Analysis (EVA) for high-risk clients.
11. Support completion of mandatory checklists including Climate Risk Assessment, Environment & Social Risk Assessment and Reputational Risk assessment.
12. Complete Fraud Risk Assessment for all clients including assessment of red flags in the fraud risk report and trade counterparty assessment.
13. For FX limits, complete limit review and substantiation exercise in line with Financial Markets Appropriateness and Credit Term Sheet updates based on RM/Risk feedback.
The position is also responsible for the following portfolio credit monitoring activities:
1. Completion of annual credit reviews of assigned accounts and re-assess key risks and re-evaluate internal credit grade. Ensure zero annual credit review overdues and minimize review extensions.
2. Identify client limits with low / nil utilization and escalate to the respective Relationship Manager for input / additional discussions with product partners and / or clients.
3. Prepare interim BCAs to increase / decrease limits, propose amendments/waivers, refresh financial analysis, update Credit Grade (when required), etc.
4. Support coverage team in structuring deals and present credit proposals in senior business and risk approval committees.
5. Monitor Covenants & Risk Triggers (C&RTs). Raise any breaches under (C&RTs) to Relationship Manager, and Credit.
6. Monitor and assess rating agencies actions including downgrades or outlook changes.
7. Perform credit stress testing on assigned names, when required.
8. Ensure compliance with all internal and regulatory credit / other portfolio related policies in conjunction with GAMs. Support senior Credit Analysts and GAMs in preparing and responding to internal / external audits and regulatory exams.
9. Ensure that all relevant client information, including financials, compliance reports, credit agreement, amendments, credit approvals, dispensations, endorsements, etc., is clearly named and saved in the shared drive in an organized manner.
10. Manage the credit change process globally across teams when credit policy changes are enacted, analyse gaps and propose solutions that optimize execution.
11. Participate in peer reviews across business segments and ad hoc projects to analyse policy implementation and quality gaps.
12. Proactively monitor key client or industry wide events or developments. Conduct periodic or ad hoc portfolio reviews of assigned client or industry subject to adverse news or vulnerable to economic, market or regulatory events.
Technical Knowledge: This position requires the following prerequisites:
1. Credit Core Curriculum certification and expert working knowledge of Creditmate system.
2. Understanding and Operational experience and knowledge of Standard Chartered Credit policies and Processes including Credit Application Process, General Lending Standard, Credit Grading Standard, Large Exposure Standard, Covenant and Risk triggers monitoring Standard, Country Portfolio Underwriting Standard, Risk Mitigation Standard, Early Alert Standard, Stressed Asset Group (Credit Grade 12 ,13 and 14) Standard, Leveraged Lending policy etc.
Stakeholder Partnership: This position is responsible to partner the team's two key stakeholder communities, Client Coverage and Risk, supporting the former in developing and executing their client strategies and both in respect of credit analysis-relevant matters.
1. Partner with GAM/RMs 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.
2. Partner with Risk through clear presentation of credit analysis and proposed credit grading, as well as through proactive and considered discussion of key risk aspects.
3. Accompany GAM/RMs on client visits, as part of general due diligence in respect of credit analysis.
4. Act as a broader point of expertise in respect of credit aspects with Product and others across SCB.
5. Ensure engagement with senior stake holders - Segment Business Head and Credit team to align priorities and proactively address any issues.
6. Cultivate, collaborate and maintain close relationships with respective internal partners, including respective Risk units, Legal, Compliance, Loan Documentation Unit, as well as Credit Risk Control in the course of everyday busine
Our Ideal Candidate
Key requirements:
- Analytical strength - to spot emerging risks, in particular forward-looking industry trends.
- Gravitas - to engage with Relationship Managers and Clients alike, have the ability to challenge in a constructive manner.
- Collaborative - to work in partnership with stakeholders to 'get things done,' fulfilling the Job Purpose
- Strong analytical ability, focused on the assessment and calibration of credit risk.
- Strong verbal and written communication skills, 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.
- Graduates / Graduate calibre.
- Sound knowledge of accounting and financial principles gained by experience or qualification.
- MBA or CFA qualifications advantageous, but not required.
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
- 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.
This job has expired.
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