Job Summary

•    Proactive management of the credit risk of a complex portfolio of GCM accounts 

Key Responsibilities

•    Proactive, comprehensive and timely credit analysis through BCA renewals and quarterly performance reporting
•    Backward- and forward- looking financial analysis
•    Project cash flow forecasting, financial modelling
•    Risk/mitigation analysis – Sponsor risk, offtaker / market risk, industry risk, supplier risk, technology risk, and other project risks
•    Monitor the Credit Grades and recommend timely downgrades and upgrades as necessary
•    Take the lead on waivers / consents / amendments / extensions, prepare credit papers and liaise with internal stakeholders (E.g. CREF, Credit, GCIG, Legal etc) for timely approval decisions to the client. 
•    Proactive monitoring of financial / non-fin covenants, and conduct impact analysis
•    ESRM, CRA, Rep Risk, and Fraud Risk requirements
•    Monitor LGD benefits remains in line with the benefits expected during deal origination
•    Take the lead in Early Alert identification, monitoring, updating, and discussions
•    Ability to work closely with SAG and the respective GCM product to ensure that stage 3 ECLs are reasonable and arrived logically with realistic assumptions
•    Attend site visits as required, prepare call reports and provide updates to key internal stakeholders on material observations.
•    Quarterly portfolio reporting
•    Timely response to portfolio related queries, stress tests, and other ad hoc reporting
•    Ensure that credit files are complete and maintained to an auditable standard
•    Active participation in projects / efficiency initiatives which will impact upon the GCM Portfolio

Our Ideal Candidate

•    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;
•    Risk Management and Internal Controls
•    Manage Conduct
•    Compliance - Governance, Oversight and Control
•    Business - Strategy and Model
•    Business - Market Knowledge

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.

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