Job Summary

The person chosen for the role will be responsible for undertaking the credit risk assessment and approval of Financial Institutions (including Banks, Non-Bank Financial Institutions, Insurance companies, Broker Dealers, Pension Funds, Sovereigns, Fintechs and Digital Asset Companies) that are domiciled in North America.

The Financial Institutions Risk team work closely with CIB Global Account Managers, Transactional Banking and Markets sales teams to set an appropriate risk appetite at both a counterparty and group level.

Financial Institutions Risk (FIR) Americas report to the Chief Credit Officer (CCO) Financial Institutions Risk (FIR) Europe & Americas, with a matrix reporting line to the Chief Credit Officer (CCO) Americas. Globally FIR has teams located in key markets, including London, Singapore, Hong Kong, India, Korea and Dubai.

Key Responsibilities

•  Evaluate and approve business propositions for counterparties domiciled in North America, within delegated credit authorities. Where appropriate add support to proposals outside those discretions for approval. 
•  To ensure the credit quality of the portfolio is strong, risk appetite is set at appropriate levels and that exposure falls within Group Policy, Risk Tolerance levels and Business Strategy. 
•  To ensure reporting of Portfolio information to Senior Management is both timely and accurate. 
•  To proactively instil a strong credit culture within the region 
•  Completion of papers and representation at senior level Risk Committees 
•  Identification of counterparty problems at an early stage to ensure suitable action plans are in place to mitigate risk. 
•  Actively engage internal stakeholders 
•  Together with Global Account Managers make customer visits to keep abreast of both developments with the customer and the market

Qualifications and Skills

• A sound understanding of the product set within the Corporate & Institutional Bank, including Transactional Banking and Markets 
• Strong analytical skills 
• Strong communication skills

• Ability to exercise good judgment, often under time constraints 
• Must demonstrate an ability to think objectively and “outside the box” when analyzing issues and recommending / developing recommendations. 
• Deal Structuring and mitigation knowledge beneficial

• Effective collaborative skills that contribute to positive working relationships with counterparts within Risk and the business 
• Role would be suitable for candidates currently in a Credit Approval, Credit Analyst, CIB Client Manager or Assistant Relationship Manager role 
• Candidates should have passed both the Credit Skills Assessment (CSA) and FI Core Credit Curriculum (CCC) or full CCC

About Standard Chartered

Expected annual base pay range for the role is 157,400 USD to 236,100 USD. The final offer will be determined on an individualised basis using a number of variables, including but not limited to skill set, depth of experience and education, internal relativity, and specific work location. At Standard Chartered Bank, Base pay is only part of the total compensation package. Discretionary variable pay and a range of attractive bank sponsored benefit programs are available and designed to foster employee overall health and well-being including, but not limited to, a best in class 401k plan with up to 8% employer match, robust medical plan coverage with employer funded Health Savings Accounts, inclusive family building benefits, and flexible/hybrid working arrangements for many of our positions subject to role specific consideration.

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.