Associate Director, Credit Analyst, IC

The Role Responsibilities

Credit Analysis & Portfolio Oversight - To provide portfolio management for the credit administration process of clients by applying a holistic approach to managing risk.

• Responsible for proposing counterparty credit grades via the relevant scorecard, and on-going 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.
• Work with GAM and FAM teams to improve the management of limits and exposures across geographies.
• Conduct comparative analysis of risk vs. return using portfolio data and provide recommendations for optimizing portfolios and use of capital.
• Manage the credit change process globally across teams when credit policy changes are enacted, analyze gaps and propose solutions that optimize execution.
• Coordinate regional / global efforts to ensure compliance with BCA/GM renewal policies, CaRT and other credit administration processes.
• Ensure zero BCA/credit review over dues and work to minimize extensions.
• Conduct periodic portfolio reviews of assigned segment/industry to assess creditworthiness and initiate ad hoc reviews for clients subject to adverse news or vulnerable to specific economic, market or regulatory events.
• Coordinate and conduct Stress Tests and portfolio review exercises for periodic check on the health of the portfolio.
• Prepare other analysis, such as Industry specific reviews, portfolio reviews, etc.
• Discuss the dynamics and nature of the Client's industry, competitive positioning, including key risk aspects.
• Discuss management strength, experience and track record and corporate governance more broadly.
• Articulate the Client's strategy and an assessment of its clarity and associated execution risks.
• Assess funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity.
• Assess balance sheet strength, alongside cash flow and profitability vulnerability, via trend and ratio analysis and / or stress testing including a current / performance forecast expectation.
• Discussion of other pertinent risk aspects and mitigating factors, including country risk, parental and/or governmental linkage/support, collateral evaluation, covenant structure and cushion analysis, relative ranking of indebtedness, structural and / or contractual subordination aspects, and leveraged lending assessment.
• Completion of annual reviews, for assigned accounts, of Group Mandates / BCAs Part I, Part II, financial analysis / spreads, scorecards. Identify client limits with low / nil utilization and escalate to the respective GAM for input / additional discussions with product partners and / or clients. Ensure zero BCA / credit review over dues and work to minimize extensions.
• Completion of interim GMs / BCAs to increase / decrease limits, propose amendments/waivers, refresh financial analysis, update Credit Grade (when required), etc.
• For Cat 2 lines, when / if required, complete Financial Markets Appropriateness and GWWR Attribute checklist and Credit Term Sheet updates based on RM/Risk/MDU feedback. Attach relevant documentation.
• Support business on structuring deals.
• Documentation support on credit aspects and working with CRC/LDU on BCA reworks. Escalate any documentation gaps to the RM team.
• Test and Monitor Covenants & Risk Triggers (C&RTs). Raise any breaches under (C&RTs) to Relationship Manager, and Credit.
• In partnership with Relationship Managers, ensure timely identification of accounts to be placed in Early Alert (EAR & ASTAR), per Bank's policies and guidelines. Prepare and submit EAR, ASTAR, and Adverse News memos.
• Seek pre-approval endorsements (where applicable), approvals on deferral / waiver requests.
• Complete CCC Certification (within specified time) and all required e-learning courses.
• Prepare high quality submissions for assigned clients (GM Part I and Part II); request from GAMs / FAMAs and follow up on financial and credit information related to FAM subsidiaries for the purpose of limits allocation, weighted average CG (WACG) calculation, and Group Expected Loss (EL).
• Ensure compliance with all internal and regulatory credit / other portfolio related policies in conjunction with GAMs. Support GAMs in preparing and responding to internal / external audits and regulatory exams.
• Ensure that all relevant client information, including financials, compliance reports, credit agreement, amendments, credit approvals, dispensations, endorsements, etc., is clearly named and saved in the shared drive in an organized manner.

Stakeholder Partnership - To partner the team's 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.

• Partner with 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.
• Partner with Risk through clear presentation of credit analysis and proposed credit grading, as well as through proactive and considered discussion of key risk aspects.
• Accompany Relationship Managers on client visits, as part of general due diligence in respect of credit analysis.
• Act as a broader point of expertise in respect of credit aspects with Product and others across SCB.
• Ensure engagement with senior stake holders - country / regional business head (at least monthly) and country Credit teams (SCOs, at least quarterly) to align priorities and proactively address any issues.
• Cultivate, collaborate and maintain close relationships with respective internal partners, including respective Risk units, Legal, Compliance, MDU and LDU, as well as CRC in the course of everyday business.

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.
• Lead the CA team to achieve the outcomes set out in the Bank's Conduct Principles : Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

• GAMs, RAMs, FAMs
• Product Partners
• CDD
• Market Data Service providers
• Risk
• Legal, Audit and Compliance
• Clients
• Rating Agencies
• Internal Audit

Our Ideal Candidate
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.

Experience & Skills:

• Related industry experience within a bank setting is a plus.
• Strong analytical ability focused on the assessment and calibration of credit risk.
• Strong verbal and written communication skills, 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:

• Graduates / Graduate calibre.
• Sound knowledge of accounting and financial principles gained by experience or qualification.
• MBA or CFA qualifications advantageous, but not required.

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.
Expected annual base pay range for the role is $104,000 to $173,000. The final offer will be determined on an individualised basis using a number of variables, including but not limited to skill set, depth of experience and education, internal relativity, and specific work location. At Standard Chartered Bank, Base pay is only part of the total compensation package. Discretionary variable pay and a range of attractive bank sponsored benefit programs are available and designed to foster employee overall health and well-being including, but not limited to, a best in class 401k plan with up to 8% employer match, robust medical plan coverage with employer funded Health Savings Accounts, inclusive family building benefits, and flexible/hybrid working arrangements for many of our positions subject to role specific considerations.
Visit our careers website www.sc.com/careers