Job Description

Role Responsibilities
The role holder will be responsible for proactively managing the credit risk (monitoring and analysis) of a complex portfolio of Global Credit Markets (GCM) accounts in close co-ordination with the originating deal team.
Strategy

• Actively support in managing the GCM loan portfolio returns by minimising ECLs (overall ECL to be within the Budget set for Financing Risk).
• Monitor the Credit Grades constantly and recommend timely downgrades and upgrades as necessary.
• Monitor LGD benefits remains in line with the benefits expected during deal origination.

The role holder will be responsible for proactively managing the credit risk (monitoring and analysis) of a complex portfolio of GCM accounts in close co-ordination with the originating deal team. Role Holder will also be accountable for the development of an additional analyst (if required).
Business

• Proactive, comprehensive and timely credit analysis through BCA renewals, waiver and amendment requests and documentation of credit events.
• Evaluation and understanding of risks associated with Leveraged Finance / Project and Export Finance / Structured Finance transactions, structural, contractual and external risks.
• Financial analysis of a customer base using credit skills; ratio analysis; balance sheet and cashflow analysis.
• Evaluation of security, including parental support.
• Evaluation of company management and strategy.
• Early detection of adverse credit issues and early alert reporting to credit as required.
• Completing financial spreads (where required), analysing long term financial models and completing credit grade assessments.
• Compliance with Bank policy and procedures.

Portfolio Management

• Monitoring, review and reporting (where required) of covenanted items.
• Quarterly portfolio reporting.
• Timely response to portfolio related queries to other areas in the Bank.
• Accurate and timely responses to ad hoc reporting requests (including regulatory reporting).
• Active participation in projects which will impact upon the GCM Portfolio.
• Ensure that credit files are complete and maintained to an auditable standard.

Regulatory and 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 PAM 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

• Credit Risk, GCM Business Partners, Loan Syndications

Our Ideal Candidate

• 5 plus years of experience in Portfolio Analytics and Monitoring in Financial Markets
• Core Credit Curriculum Certified (internal SCB course) not applicable for external candidates
• Credit analysis and Financial analysis skills.
• Able to analyse excel-based financial models.
• Must be sensitive to short time frames and be able to quickly assess and turnaround applications to credit.
• Excellent oral and written communication skills are required.
• Ability to demonstrate initiative and can work with little supervision.

Role Specific Technical Competencies

• Ability to undertake credit analysis and evaluation and understanding of risks associated with Global Credit Market deals.
• Financial analysis of a complex customer base using credit skills; ratio analysis; balance sheet and cashflow analysis.
• Oral and written communication skills.
• Able to analyse excel-based financial models.

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.
Visit our careers website www.sc.com/careers