Apply in 3 Minutes: Credit Analyst Team Lead

Job Summary Credit Client Risk Management CCR is an integral part of CIB The CCR mandate is to deliver best in class credit analysis monitoring and credit administration work to Stakeholder The role is responsible for conducting a thorough and comprehensive credit assessment of counterparty s credit profile proposing internal corporate rating assessment of sustainability environment risk fraud risk analysis reputational risk and submitting the written recommendation for approvals to credit risk department The role holder will be responsible for proactively managing the credit risk monitoring and analysis of a complex portfolio of Global Credit Markets GCM accounts in close co-ordination with the originating deal team Key Responsibilities Conducting a thorough and comprehensive credit assessment of counterparty s credit profile proposing internal corporate rating assessment of sustainability environment risk fraud risk analysis reputational risk and submitting the written recommendation for approvals to credit risk department for GCM accounts Also proactive management of the credit risk monitoring and analysis of a complex portfolio of GCM accounts Strategy In line with GCM and Group Strategy 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 Project cash flow forecasting financial modelling Evaluation of security including parental support Evaluation of project company management and strategy Risk mitigation analysis - Sponsor risk offtaker market risk industry risk supplier risk technology risk and other project risks Take the lead on waivers consents amendments extensions prepare credit papers and liaise with internal stakeholders E g CREF Credit GCIG Legal etc for timely approval decisions to the client Responsible for the accuracy of internal risk ratings and inputting financial and economic data in rating system Working closely with onshore analysts and credit officers in respective regions to evaluate risk and to monitor a client portfolio Participate in process improvement initiative of the team Prepare give domain specific presentations to team members for their knowledge enhancement 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 GCM Portfolio Compliance with Bank policies and procedures 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 People Talent Lead through example and build the appropriate culture and values in respective team Set appropriate tone and expectations from their team and work in collaboration with stakeholder Ability to apply sound judgement with critical thinking skills Ability to independently drive initiatives with minimum hands-on supervision and collaborate with other resources in the team to deliver for the task Key stakeholders Credit Risk GCM Business Partners Loan Syndications Credit Insurance Audit Other Responsibilities Embed Here for good and Group s brand and values in PAM team globally Perform other responsibilities assigned under Group Country Business or Functional policies and procedures Skills and Experience Ability to undertake credit analysis and evaluation and understanding of risks associated with Global Credit Market deals Financial analysis of a complex customer base using credit skills ratio analysis balance sheet and cashflow analysis Oral and written communication skills 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 Qualifications Master s degree in Business Finance Accounting and or professional certifications such as CA CFA CPA or equivalent International CFA or equivalent MBA Finance from reputed Tier 1 or Tier 2 institutes Relevant experience in credit analysis and credit support roles in the CCIB or Global Banking Sector minimum of 3 years preferred for Credit Analyst roles Education certifications or qualifications are not mandatory if proven track record and sound knowledge gained by considerable experience in similar roles in other Banks or financial institutions or credit rating organisations Knowledge of banking products associated risks and relevant processes gained either in banking treasury or accounting roles in in the financial sector Ability to hold dialogues with clients and external stakeholders as well as internally across all levels Ability to deal with competing demands and multiple priorities within strict timelines Proven ability to operate across cultures and within a diverse workforce Ability to working in dynamic environment with a robust transformation agenda Excellent oral written communication and presentation 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 17405