Associate Director, Credit Analyst, Financial Institutions

Employer
Standard Chartered Bank Hong Kong
Location
Hong Kong
Salary
Negotiable
Posted
Aug 28, 2017
Closes
Oct 21, 2017
Job Function
Banking
Industry Sector
Finance - General
Employment Type
Full Time
Education
Bachelors
Standard Chartered is a leading international banking group operating for over 150 years in Asia, Africa and the Middle East. We've built a successful and sustainable business by playing a fundamental role in economies, helping people and businesses grow and achieve their aspirations. With over 89,000 employees representing 127 nationalities, we value the diversity and unique perspectives amongst our people. We are committed to developing their strengths and enabling them to make a difference to our success by helping them fulfil their potential.

Job Description

We are looking for a high calibre to join us as Associate Director, Credit Analyst to cover Financial Institution clients.

Key Roles and Responsibilities

A. Credit Analysis
To provide insightful, relevant, succinct and timely (see below) credit analysis of a portfolio of SCB's 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 - Relationship Managers 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's 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:

* Critical review of Environment and Social Risk Assessments, Appropriateness and Suitability Assessments (FM Products);
* Consistency and coherence review of the Approved Account Plan, Raptor (or equivalent), Client & Group Facility Summary & Structure (including Terms and Conditions).
* Active partnership with Relationship Managers 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 this Job Purpose.

B. Stakeholder Partnership
To partner the team's two key stakeholder communities, Relationship Managers and Risk, supporting the former in developing and executing their client strategies and both in respect of credit analysis-relevant matters. Maintaining integrity in analysis at all times is critical.

This includes frequent and iterative discussion with both Relationship Managers 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 Relationship Managers around potential business opportunities for SCB, assisting both Relationship Managers and Risk around transaction structuring and execution, where relevant, and identifying and alerting stakeholders of emerging risk aspects on a continuous basis.

C. Team development
To assist CA Team Leaders in projects focused on improving and enhancing the activities of the team, as well as the quality of credit analysis produced.

This includes coaching and supporting the development of newer and less experienced members of the team.

Key Relationships
Internal Relationships:
* GAMs, RAMs, FAMs
* Risk
* Product partners
* CDD
* Legal, Audit and Compliance

External Relationships:
* Clients
* Rating Agencies
* Market Data Services providers

Knowledge and Skills
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.

Qualifications and Skills

* Minimum of 5 years' relevant experience gained either in banking, treasury or accounting environment.
* 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 organization, as well as with clients.
* Well organized, able to multi-task and balance competing demands.
* Sound knowledge of accounting and financial principles gained by experience or qualification.
* MBA or CFA qualifications advantageous, but not required.

How To Apply

You can search and view current opportunities across our organisation and apply immediately by visiting www.standardchartered.com and selecting Careers. To help speed up your application, please note the following:

- You will need to log in (or register if you are visiting our careers site for the first time) before you can apply for a specific role

- Some roles may require you to undertake an online talent assessment in addition to completing the application form (to facilitate this process it is preferable that you provide us with an email address as part of your contact information)
- We will ask you about your education, career history and skills and experience, it may be helpful to have this information at hand when completing your application

It usually takes 15 - 20 minutes to complete the application form; you can save your application at any time and return to complete it at your convenience.

Third Party Applications

Please note: Applications from third parties are not accepted unless by invitation.

Diversity and Inclusion

Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.

Equal Opportunity Employer

Standard Chartered is an equal opportunity employer. We have a meritocratic culture where each individual employee is valued and respected for who they are as a person and for what they bring to the organisation.