Job Summary

• Credit Analysts have extensive knowledge of risk assessment and portfolio risk management framework which they use to support Account Managers with credit reviews, ongoing risk monitoring and client creditworthiness. They also assess SCB’s risk appetite against market and economic conditions across the different markets and asset classes.

About our Banking and Coverage team

• Our Banking and Coverage team owns and leads the management and development of our Client Relationships globally. They work across our global network with product partners to deliver working capital, financing, trade, cash and market solutions for our clients. The solutions include varied products and services, from sustainable trade finance to credit derivatives, to mergers and acquisitions advisory.  

About Corporate & Investment Banking (CIB) 

• For more than 170 years we’ve support clients with their transaction banking, financial markets, corporate finance and borrowing needs and provide solutions to nearly 20,000 clients in the world’s fastest-growing economies and most active trade corridors.

Key Responsibilities

Strategy

• To provide insightful, relevant, succinct and timely (see below) credit analysis of a portfolio of SCB’s FI clients (current or prospective). 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
• Insightful: Attuned to the needs of two audiences – CIB and Risk - the analysis should provide a forward-looking, focused opinion on the likely development of both business and financial risk elements in their industry / geographic context together with a calibrated articulation of key risks and potential mitigants thereto.
• Relevant: As well as a holistic counterparty assessment, analysis should comment on structural elements relevant to SCB’s existing or proposed exposure such as guarantee and security arrangements
• Succinct: While always providing sufficient granularity to substantiate its conclusions and observations, the analysis should present opinion in as structured and succinct a manner as is practical.
• Timely: While focused on the prescribed annual review cycle, analysis will also be required where material new exposure is being considered by CIB. In addition, more summary analysis should be produced and disseminated quickly, where relevant

Additionally, for any BCA submission it will involve the following:

• 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.

Key Responsibilities

Business

To partner the team’s two key stakeholder communities, CIB and Risk, supporting the former in developing and executing their client strategies and both in respect of credit analysis-relevant matters.

Processes

• Timely drafting of credit analysis as directed by the relevant Team Leader. Such analysis should be Insightful, Relevant and Succinct (see Strategy).
• 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;

Key Responsibilities

• 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);
•  For Cat 2 lines, Credit Term Sheet updates based on RM/Risk feedback;
•  Supporting business on structuring deals;
•  Documentation support on credit aspects and working with IMO 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

Key Responsibilities

People & Talent

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

Risk Management

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

Key Responsibilities

Governance

• Maintaining integrity in analysis at all times is critical. This includes frequent and iterative discussion with both
• CIB and Risk around draft analysis, key sector / geographic trends, as well as discussion of covenants, risk triggers and the like. It involves proactive idea generation and discussion with CIB around potential business opportunities for SCB, assisting both CIB and Risk around transaction structuring and execution, where relevant, and identifying and alerting stakeholders of emerging risk aspects on a continuous basis.

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.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

Internal Relationships:

• GAMs, RAMs, FAMs
• Risk
• Product partners
• CDD, where relevant
• Legal, Audit and Compliance, where relevant
• Physical Commodity Operations, where relevant

External Relationships:

• Clients
• Rating Agencies
• Market Data Services providers
• Regulator

Skills and Experience

• Financial Statement Analysis
• Credit Analysis and Verification
• Risk Management – Internal Controls (SIF) and C&I Credit Risk
• Knowledge of Customers
• Addressing Customer Needs – Products and
• Processes
• Analytical Thinking
• Industry Knowledge
• Problem Management Process
• Account Management

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 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
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

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 leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along 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.