Associate Portfolio Analytics

**Job Summary**
- The role holder will be responsible for proactively managing the credit risk & risk/return benefit and act as an investment / asset manager of a complex portfolio of Global Credit Markets (GCM) accounts in close co-ordination with the originating J3 team. The products comprise of Leveraged & Acquisition Finance (LBO, structured finance, dividend recapitalisation, hold-co financing, promoter financing), Commercial Real Estate Financing, Project & Structured Export Finance, Transportation Finance (aviation+shipping) and Term loans (including Capex & general purpose). The role requires close interaction with several stakeholders ie Credit/Risk, client, Agency, other lenders, Relationship Managers, Loan Syndications & GCM product partners.
- Risk/Return: Ensuring Bank’s RoRWA & RoTE are managed above the given threshold by managing the client, deal & portfolio level RoRWA, recommending assets which can be sold/churned or de-risked (through insurance, FRP), along with Loan Syndications engaging with stakeholders/other investors/lenders for marketing these assets. By analysing the upcoming potential risks, assets can be sold/de-risked to mitigate ECL & RWA spikes. Manage ECL.
- Supporting new origination: Attending the new deal pipeline calls, reviewing, analysing & supporting all new deals hold positions that bank underwrites by understanding the risks, deal & group level risk/return.

**Key Responsibilities**

**Strategy**
- Proactive, comprehensive and timely credit analysis through BCA renewals, quarterly performance reporting, waiver and amendment requests and documentation of credit events;
- Ensure forward looking Credit analysis and make recommendations to actively sell down/Credit insure riskier assets in the book.

**Business**
- 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 GSAM and the respective GCM product to ensure that stage 3 ECLs are reasonable and arrived logically with realistic assumptions
- Actively support in managing the GCM 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

**Key stakeholders**
- Credit Risk, GCM Business Partners, Loan Syndications, 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.

**Processes**
- Annual review of the facilities (CAM memo) comprising of business risk, client risk, industry analysis, management analysis, financial analysis, peer comparison, industry benchmark, etc.
- Minimum Quarterly check-in on the business / client performance
- Stress testing, recognition of early warning signals on the asset/loan, industry, client/sponsor Group, etc
- 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;

**People & Talent**
- Credit analysis skills;
- Financial analysis skills;
- Able to analyse excel-based financial models;
- Excellent oral and written communication skills are required; and
- Ability to demonstrate initiative and can work with little supervision.

**Risk Management**
- 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
- Compliance with Bank policy and procedures
- Support GCM’s sustainable initiative including managing manual inputs on CRR5201a
- 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
- Monthly Portfolio review
- Support the RH/GH PAM with the MIS and other reporting on timeline basis.
- Improve efficiency via focus on various initiatives including automation;
- Take ownership of data quality & accuracy of various inputs that i