Job Summary

Client and Portfolio Oversight

•    Work with GAM and FAM teams to improve the management of limits, utilization and exposures across geographies and products; conduct comparative analysis of risk vs. return using portfolio data, and provide recommendations for optimizing portfolios and use of capital;
•    Manage the credit process change across teams when credit policy changes are enacted, analyze gaps and propose solutions that optimize execution;
•    Ensure compliance with various credit policies and process, industry/segment underwriting standards; 
•    Ensure zero overdue of BCA/GM, and dedicate to minimize extensions;
•    Conduct periodic portfolio reviews of the responsible industry /segment to assess creditworthiness, and to review credit strategy; Initiate ad-hoc reviews for clients subject to adverse news or vulnerable to specific economic, market or regulatory events;
•    Invite and coordinate with CA Portfolio Management on industry /segment specific reviews if necessary.

Risk Management

•    To provide risk management for the clients under coverage by applying a holistic approach to managing risk as follows:
•    Assess a wide variety of counterparty, transaction, and general risk issues on a portfolio as well as client level basis by using both quantitative and qualitative skills. This will allow for early detection and remediation of broader level risk issues related to clients and assessing credit developments and trends at a country, regional and global level;
•    In the course of credit and financial review, conduct credit intelligence to identify potential business opportunities with acceptable risk profile and relate the information to senior management for strategy discussions and cascading to respective coverage teams;
•    Provide focused, timely, and value-added ongoing credit assessment and reports, with proactive monitoring of clients for adverse or positive developments, based on country, economic or industry events;
•    Ensure effective, disciplined, consistent and holistic approach to managing risk, and support growing business in balanced view of risk and economic return.

Credit Analysis 

•    Timely drafting of credit analysis, such analysis should be insightful, relevant and succinct and include the following:
•    Discussion of the dynamics and nature of the Client’s industry, competitive positioning, including key risk aspects;
•    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;
•    Assessment of balance sheet strength, alongside cash flow and profitability vulnerability, via ratio analysis and/or stress testing including a current / performance forecast expectation;
•    Discussion of other pertinent risk aspects, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness, Fraud risk;
•    Completion of Group Mandate/BCA Part 1, Part 2, financial spreads, scorecards, and other relevant BCA package attachments (including country specific regulatory checklist);
•    Documentation support on credit aspects and working with IMO on BCA reworks;
•    Testing and Monitoring CaRT;
•    EAR & ASTAR reporting/updates to credit; 
•    Seek applicable pre-approval endorsements;

Stakeholder Partnership

•    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 as well as through proactive and considered discussion of key risk aspects;
•    Participating client visits and credit calls, as part of client 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;
•    Ensure engagement with senior stakeholders - country / regional business head and country Credit teams (SCOs, at least quarterly) to align priorities and proactively address any issues;
•    Cultivate, collaborate and maintain close relationships with respective internal partners, including respective Risk units, Product, Governance, Compliance, and IMO etc..

Governance

•    Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.

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, other CPA team
•    Segment, Country, Regional and Global Heads
•    Risk
•    Product partners
•    CDD, where relevant
•    Legal, Audit and Compliance, where relevant
•    Operations, where relevant
•    COO Teams

External Relationships: 

•    Clients
•    Rating Agencies
•    Market Data Services providers

Other Responsibilities

•    Embed Here for good and Group’s brand and values in [China / Credit & Portfolio Analytics / Industry CA team]; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

General Job Description applicable to all roles:
 
•    Understand, acknowledge and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies
•    理解认同并遵守本地法律法规,以及渣打内部政策中关于个人问责和职责的要求；
•    Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities.
•    跟上本地问责法律法规的发展,有效地确保并强化内控；
•    Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank.
•    审慎勤勉地履行岗位职责，以个人或团队成员的身份，为避免任何导致银行遭受或可能遭受法律制裁、监管处罚、重大财务损失或声誉负面影响而做出努力；
•    Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections.
•    对未遵守相关规范和流程、未适当履行职责以及未执行整改措施承担相应责任；
•    Cooperate with any investigations or reviews on regulatory failure such as accountability review.
•    配合任何关于违反监管规定的调查或审查，例如，问责审查。

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

Qualifications

Education     

•    Post Graduates / or professional (e.g. CFA) qualification preferred, but not mandatory
•    Sound knowledge of accounting and financial principles gained by experience or qualification
•    Relevant language skills advantageous, but not required
•    Pass CCC/FICC credit certification (or approved equivalent) within 6 months of start date or upon availability (if not available in this timeframe)

Training     

•    Pass Corporate CCC and FICC course and test 
•    Management and Leadership – Ability to prioritise, delegate, develop and motivate people. 
•    Analytical strength – to spot emerging risks, in particular forward-looking industry trends. 
•    Communication – to engage with Relationship Managers, Clients and Management alike have the ability to challenge in a constructive manner. 
•    Collaborative – to work in partnership with stakeholders to ‘get things done’, fulfilling the Job Purpose

Certifications 

•    Professional (e.g. CFA) qualification preferred, but not mandatory
•    Minimum of 10+ years’ relevant experience gained either in banking, treasury or accounting environment 
•    Prior experience in leading a multi-cultural team in a Global organisation
•    Direct experience in assessing the credit risk of large segment dependent 
•    Knowledge of emerging markets capital products and services. 
•    Strong analytical ability focused on the assessment and calibration of credit risk
•    Strong verbal and written communication skills (in English), with proven ability to work across cultures and within a dynamic environment
•    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

•    Languages     English, Chinese 

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.