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Associate Director, German speaking credit analyst

Employer
Standard Chartered Bank
Location
London, United Kingdom
Salary
Competitive
Closing date
Feb 9, 2023

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Job Function
Banking
Industry Sector
Finance - General
Employment Type
Full Time
Education
Bachelors
  1. Credit Analysis
Timely drafting of credit analysis comprising largely of corporate clients as directed by the relevant Team Leader. Such analysis should be Insightful, Relevant and Succinct (see Job Purpose) 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 relevant Team Leader, 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.
In respect of clients where the role-holder is assigned as analyst, finalisation of relevant Group Mandate and/or Business Credit Application Part II and General Wrong Way Risk assessment, liaising with Client Coverage as necessary.
  1. 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
  1. Team Development
  • Support CA Team Leaders and others in the team on ad hoc projects and exercises aimed at improving or enhancing the team's activities
  • Continually strive to share key relevant knowledge and learning's with others across the team
  • Provide specific coaching to newer or less experienced members of the team
Key Stakeholders
Internal Relationships:
  • GAMs, RAMs, FAMs
  • Risk
  • Product partners
  • CDD, where relevant
  • Legal, Audit and Compliance, where relevant
  • Operations teams, where relevant
External Relationships:
  • Clients
  • Rating Agencies
  • Market Data Services providers
Role Specific Technical Competencies
  • Credit Analysis Skills
  • Team Player
Qualification
Key requirements:
  • Analytical strength - to spot emerging risks, in particular
  • Gravitas - to engage with Relationship Managers and Clients alike in a robust, but constructive manner
  • Collaborative - to work in partnership with stakeholders to 'get things done', fulfilling the Job Purpose
Experience & Skills:
  • Minimum of 5 years' relevant experience gained either in banking, treasury or accounting environment. Candidates with experience in structuring and executing deals would be preferred.
  • Strong analytical ability, focused on the assessment and calibration of credit risk
  • Strong verbal and written communication skills (in English and German), with proven ability to work across cultures and within a dynamic environment.
  • Note that language skills noted above is mandatory
  • 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
Qualifications:
  • Graduates
  • Sound knowledge of accounting and financial principles gained by experience or qualification
  • MBA or CFA qualifications advantageous, but not required
  • Fluency in one or some of Southern European languages (Italian ,Spanish,Portuguese) and French will be highly preferable for the role.
  • Background /prior experience in structured finance/corporate finance transactions will be highly preferable
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

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