Job Description

Role Responsibilities

Responsibilities*

Strategy*

To provide insightful, relevant, succinct and timely (see below) credit analysis of a portfolio of SCB\xe2\x80\x99s clients (current or prospective).

This includes responsibility for proposing counterparty credit grades via the relevant scorecard, and ongoing monitoring for credit-material events. While the portfolio will be industry / geography specific in focus, the role extends to analysing other clients as may from time to time be required

Insightful: Attuned to the needs of two audiences \xe2\x80\x93 Client Coverage and Risk - the analysis should provide a forward-looking, focused opinion on the likely development of both business and financial risk elements in their industry / geographic context together with a calibrated articulation of key risks and potential mitigants thereto.

Relevant: As well as a holistic counterparty assessment, analysis should comment on structural elements relevant to SCB\xe2\x80\x99s existing or proposed exposure such as guarantee and security arrangements

Succinct: While always providing sufficient granularity to substantiate its conclusions and observations, the analysis should present opinion in as structured and succinct a manner as is practical

Timely: While focused on the prescribed annual review cycle, analysis will also be required where material new exposure is being considered by Client Coverage. In addition, more summary analysis should be produced and disseminated quickly, where relevant

Additionally, for any BCA submission it will involve the following:

\xc2\xb7 Critical review of Environment and Social Risk Assessments, Appropriateness and Suitability Assessments (FM Products);

\xc2\xb7 Consistency and coherence review of the Approved Account Plan, Raptor (or equivalent), Client & Group Facility Summary & Structure (including Terms and Conditions)

\xc2\xb7 Active partnership with Client Coverage in completion of Risk Profile, Compliance Details, as well as proposed Covenants and Risk Triggers

Overall accountability for consistency and coherence of the complete BCA package submitted to Risk will rest with Credit Analysis and is a key element of the strategy.

Business*

To partner the team\xe2\x80\x99s 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.

Processes*

Timely drafting of credit analysis as directed by the relevant Team Leader. Such analysis should be Insightful, Relevant and Succinct (see Strategy) and include the following, inter alia:

\xc2\xb7 Discussion of the dynamics and nature of the Client\xe2\x80\x99s industry, including key risk aspects;

\xc2\xb7 Assessment of the Client\xe2\x80\x99s competitive positioning within its industry;

\xc2\xb7 Discussion of management strength, experience and track record and corporate governance more broadly;

\xc2\xb7 Articulation of the Client\xe2\x80\x99s strategy and an assessment of its clarity and associated execution risks;

\xc2\xb7 Assessment of funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity;

\xc2\xb7 Development of a current / forward year base forecast performance expectation;

\xc2\xb7 Assessment of balance sheet strength, alongside cashflow and profitability vulnerability, via ratio analysis and/or stress testing;

\xc2\xb7 Discussion of other pertinent risk aspects, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness, Fraud risk; Climate risk;

\xc2\xb7 Evaluation of risks associated with particular proposed transactions, where required;

\xc2\xb7 Completion of Group Mandate/BCA Part 1, Part 2, financial analysis/spreads, scorecards;

\xc2\xb7 Ensure use of appropriate calculator in alignment with Credit Policy for relevant approvals (e.g. Raptor, Group Aggregation Calculator);

\xc2\xb7 Complete ESRA (Environment and Social Risk Assessment) Checklist;

\xc2\xb7 For Cat 2 and 3 lines, complete Cat 2 and 3 substantiation;

\xc2\xb7 For Cat 2 lines, Credit Term Sheet updates based on RM/Risk feedback;

\xc2\xb7 Supporting business on structuring deals;

\xc2\xb7 Documentation support on credit aspects and working with IMO on BCA reworks;

\xc2\xb7 Testing and Monitoring Covenants & Risk Triggers;

\xc2\xb7 EAR & ASTAR reporting/updates to credit;

\xc2\xb7 Seek pre-approval endorsements (where applicable);

\xc2\xb7 Credit stress testing

\xc2\xb7 CCRMC or FIRC Certification

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

People & Talent *

\xc2\xb7 Support CA Team Leaders and others in the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the team\xe2\x80\x99s activities

\xc2\xb7 Continually strive to share key relevant knowledge and learnings with others across the team

\xc2\xb7 Provide credit specific coaching to newer or less experienced members of the team

Risk Management*

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

\xc2\xb7 Proactive monitoring of key entity or industry wide events and/or developments, as well as of covenants and risk triggers where applicable

\xc2\xb7 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

\xc2\xb7 Partnering Risk through clear presentation of credit analysis and proposed credit grading, as well as through proactive and considered discussion of key risk aspects

\xc2\xb7 Accompanying Relationship Managers on client visits, as part of general due diligence in respect of credit analysis

\xc2\xb7 Acting as a broader point of expertise in respect of credit aspects with Product and others across SCB

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 *

\xc2\xb7 Display exemplary conduct and live by the Group\xe2\x80\x99s Values and Code of Conduct.

\xc2\xb7 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.

\xc2\xb7 Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders*

Internal Relationships:

\xc2\xb7 GAMs, RAMs, FAMs

\xc2\xb7 Risk

\xc2\xb7 Product partners

\xc2\xb7 CDD, where relevant

\xc2\xb7 Legal, Audit and Compliance, where relevant

\xc2\xb7 Physical Commodity Operations, where relevant

External Relationships:

\xc2\xb7 Clients

Qualifications*

Training, licenses, memberships and certifications

Key requirements:

\xc2\xb7 Analytical strength \xe2\x80\x93 to spot emerging risks, in particular forward-looking industry trends.

\xc2\xb7 Gravitas \xe2\x80\x93 to engage with Relationship Managers and Clients alike, have the ability to challenge in a constructive manner.

\xc2\xb7 Collaborative \xe2\x80\x93 to work in partnership with stakeholders to \xe2\x80\x98get things done\xe2\x80\x99, fulfilling the Job Purpose

Experience & Skills:

\xc2\xb7 Minimum of 3 \xe2\x80\x93 5 years\xe2\x80\x99 relevant experience gained either in banking, treasury or accounting environment

\xc2\xb7 Strong analytical ability, focused on the assessment and calibration of credit risk

\xc2\xb7 Strong verbal and written communication skills (in English), with proven ability to work across cultures and within a dynamic environment

\xc2\xb7 Able to hold credible dialogue at all levels of the organisation, as well as with clients

\xc2\xb7 Well organized, able to multi-task and balance competing demands

Educational Qualifications:

\xc2\xb7 Graduates / Graduate calibre

\xc2\xb7 Sound knowledge of accounting and financial principles gained by experience or qualification

\xc2\xb7 MBA or CFA qualifications advantageous, but not required

Our Ideal Candidate

• Financial Statement Analysis Core
• Credit Analysis and Verification Core
• Risk Management \xe2\x80\x93 Internal Controls and Credit risk Core
• Knowledge of Customers Core
• Addressing Customer Needs \xe2\x80\x93 Products and Processes Core
• Analytical Thinking Core
• Industry Knowledge Core
• Problem Management Process Core
• Account Management Core

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 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.

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