Credit Analyst at Standard Chartered Bank

Job Description

• Timely drafting of credit analysis as directed by the relevant Team Leader.  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;
• Completion of Group Mandate/BCA Part 1, Part 2, financial analysis/spreads, scorecards;
• Ensure use of appropriate calculator in alignment with Credit Policy for relevant approvals (e.g. Raptor, Group Aggregation Calculator);
• Complete ESRA (Environment and Social Risk Assessment) Checklist;
• For Cat 2 lines, complete Financial Markets Appropriateness and GWWR Attribute checklist;
• For Cat 2 lines, Credit Term Sheet updates based on RM/Risk/MDU feedback;
• Supporting business on structuring deals;
• Documentation support on credit aspects and working with CRC/LDU on BCA reworks;
• Testing and Monitoring Covenants & Risk Triggers;
• EAR & ASTAR reporting/updates to credit;
• Seek pre-approval endorsements(where applicable);
• Preparing country specific regulatory check-lists (where applicable);
• Credit stress testing
• FICC Certification
• Preparation of other analysis as directed by the relevant Team Leader, such as Industry specific reviews, portfolio reviews, assessments of new prospects etc.

Stakeholder Partnership:

• In respect of Clients where the role-holder is assigned as analyst:
• Proactive monitoring of key entity or industry wide events and/or developments, 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 and proposed credit grading, 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

Team Development:

• Support CA Team Leaders and others in the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the team’s activities;
• Continually strive to share key relevant knowledge and learnings with others across the team;
• Provide credit specific coaching to newer or less experienced members of the team

Key Requirements:

• Analytical strength – to spot emerging risks, forward-looking industry trends;
• Gravitas – to engage with Relationship Managers and Clients alike, can challenge in a constructive manner;
• Collaborative – to work in partnership with stakeholders to ‘get things done’, fulfilling the Job Purpose

Experience & Skills:

• Minimum of 2 years’ relevant experience gained either in banking, treasury or accounting environment;
• Strong analytical ability, focused on the assessment and calibration of credit risk;
• 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
• Relevant language skills advantageous, but not required