Associate Director, FI Credit Analyst

Standard Chartered Bank
London, United Kingdom
20 Oct 2020
03 Nov 2020
Job Function
Industry Sector
Finance - General
Employment Type
Full Time
About Standard CharteredWe are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.
To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good.
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.

Job: Associate Director, FI Credit Analyst
Primary Location: London
Salary: competitive
Open/closing dates: 7th October 2020 - 5th November 2020

The Role Responsibilities
StrategyTo provide insightful, relevant, succinct and timely credit analysis of a portfolio of SCB's clients.
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.

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 Client Coverage 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 the strategy.

ProcessesTimely 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, Fraud risk.
- Evaluation of risks associated with particular proposed transactions, where required.
- 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.
- Supporting business on structuring deals.
- Testing and Monitoring Covenants & Risk Triggers.
- Preparing country specific regulatory check-lists (where applicable).

Preparation of other analysis as directed by the relevant Team Leader, such as Industry specific reviews, portfolio reviews, assessments of new prospects etc.

Risk ManagementIn 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 -
- 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.

Our Ideal CandidateWe are looking for someone who has the following skills and experience:- Bachelor's Degree in Finance, International Business or related business.
- Relevant experience in European banks credit analysis.
- Understanding of banking systems, policy and procedures.
- Sound knowledge of accounting and financial principles gained by experience or qualification.
- 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.
- Fluent English.
- MBA or CFA qualifications required.

We are looking for candidates that align to our culture and values, which are an important part of who we are and what we stand for as an organisation. To be considered as a candidate, you will be required to complete a Culture Fit Assessment - this is an online assessment of your alignment and behavioral fit to our culture. The test takes approximately 30 minutes to completes and is mandatory. Should you not complete this assessment, you will be considered as not meeting the requirement of the role.

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

Similar jobs

Similar jobs

  • You need to sign in to save