Team Head Corp Credit Analysis Nordics, Turkey, GS

Standard Chartered Bank
London, United Kingdom
May 26, 2019
Jun 08, 2019
Job Function
Industry Sector
Finance - General
Employment Type
Full Time
About Standard Chartered
We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.
We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base.

The Role Responsibilities:
Corporate Credit Analysis Nordics, Turkey and Global Subsidiaries Europe: Leadership, development and oversight of a Team of Corporate Credit Analysts Europe & accountabilities, including:

  • Providing credit analysis, credit risk monitoring for Global Corporates in the Nordics, Turkey and Global Subsidiaries in Europe - this includes responsibility for proposing counterparty credit grades via the relevant scorecard, the completion of General Wrong Way Risk assessments and ongoing monitoring for credit-material events, as well as the monitoring of all covenants and risk triggers. 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.
  • Acting as a bridge between GB and Risk through a range of initiatives.
  • Act as the first line of defence through: proactive portfolio monitoring, keeping stakeholders apprised of material news pertaining to portfolio clients, identifying and helping manage `Early Alert' credits through participation in relevant committees

Other responsibilities:

  • Proactive monitoring of key entity or industry-wide events and/or developments and alerting stakeholders accordingly, as well as of covenants and risk triggers where applicable.
  • 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.
  • Partnering Risk through clear presentation of credit analysis, as well as through proactive and considered discussion of key risk aspects.
  • Accompanying Relationship Managers on client visits as part of general due diligence in respect of credit analysis.
  • Acting as a broader point of expertise in respect of credit aspects with Product and others across SCB. Preparation of Early Alert reports

Credit Analysis:

  • Ensuring timely drafting of credit analysis as well as timely delivery of the credit analysis by the team. Such analysis should be Insightful, Relevant and Succinct and include the following, inter alia:
  • Discussion of the dynamics and nature of the Client's industry, including key risk aspects;
  • Assessment of the Client's competitive positioning within its industry;
  • Discussion of management strength, experience and track record and corporate governance more broadly;
  • Articulation of the Client's strategy and an assessment of its clarity and associated execution risks;
  • Assessment of funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity
  • Development of a current / forward year base forecast performance expectation
  • Assessment of balance sheet strength, alongside cashflow and profitability vulnerability, via ratio analysis and/or stress testing
  • Discussion of other pertinent risk aspects, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness
  • Evaluation of risks associated with particular proposed transactions, where required
  • Preparation of other analysis as directed by the Head of CA Corporates, such as Industry specific reviews, portfolio reviews, stress tests, assessments of new prospects etc.
  • Completion of account spreading (where needed) and scorecard determination within CreditMate, alongside other factors necessary to propose a preliminary credit grading to Credit

Key requirements:

  • Relevant experience gained in banking, especially spent covering Turkish and Nordic Global Corporates is mandatory
  • Prior experience of covering the Global Subsidiaries business (in Analyst capacity) is mandatory
  • Prior experience in leading (formal reporting lines) a multi-cultural team in a Global organisation is mandatory.
  • 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 organisation, as well as with clients
  • Well organized, able to multi-task and balance competing demands

Educational Qualifications:

  • Graduate calibre
  • Sound knowledge of accounting and financial principles gained by experience or qualification
  • MBA or CFA qualifications required
Salary: competitive

Apply now to join the Bank for those with big career ambitions.

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