Job Summary

The Credit Analyst will support the Financial Institutions business, with a primary focus on Real Money Funds and Hedge Funds. The role combines portfolio risk management, credit monitoring and credit analysis responsibilities, providing exposure across the full credit lifecycle from onboarding and monitoring through to independent credit assessment and recommendation. 

The successful candidate will initially focus on portfolio management activities, including excess management, covenant and risk trigger monitoring, credit allocation requests and limit administration.  Over time, the candidate will assume increasing responsibility for credit analysis, annual reviews, limit recommendations and portfolio ownership of assigned Hedge Fund and Real Money Fund counterparties. 

Key Responsibilities

•    Manage daily excess reporting processes , investigate limit breaches and portfolio exceptions, and coordinate remediation actions with relevant stakeholders
•    Monitor covenant compliance and risk triggers across assigned Hedge Fund and Real Money Fund portfolios, ensuring timely escalation of exceptions and adverse developments
•    Review and process credit allocation requests and other portfolio management workflow items in accordance with internal policies and procedures
•    Coordinate with Relationship Managers, Funds Risk and clients to obtain updated information required to assess portfolio risks and support limit approvals.
•    Monitor key portfolio metrics including assets under management (AUM), performance, liquidity, leverage, investor concentration and other relevant risk indicators
•    Ensure approved limits are accurately reflected across relevant systems and trading platforms
•    Support portfolio reviews, risk reporting, stress testing exercises and ad hoc portfolio monitoring initiatives
•    Support the preparation of Business Credit Application (BCAs), annual reviews, interim reviews and ad hoc credit requests
•    Perform credit analysis of Hedge Funds and Real Money Funds, including assessment of investment strategy, performance, liquidity profile, leverage, controls and risk management framework
•    Analyze financial statements, investor reports, offering documents and other relevant information to support credit recommendations
•    Develop recommendations regarding internal ratings, credit limits and overall risk appetite for assigned counterparties
•    Monitor market developments, industry trends and emerging risks impacting assigned clients and sectors
•    Participate in due diligence discussions, client meetings as appropriate
•    Progressively assume primary analyst responsibility for assigned Hedge Fund and Real Money Fund relationships.

•    Propose and assist with negotiation of credit terms for ISDA/CSA agreements through preparation of Credit Term Sheets (CTS).
•    Cultivate and maintain close relationships with stakeholders in Funds Risk, Legal, and Middle Office.
•    Conduct periodic portfolio reviews of assigned segment to assess creditworthiness and initiate ad hoc reviews for clients subject 
     to adverse news or vulnerable to specific economic, market or regulatory events.
•    Proactively monitoring market data and risk triggers across the assigned portfolio.
•    Take personal responsibility for complex transactions or complex relationships with assigned names.
•    Contribute to Stress Tests requests
•    Perform ad-hoc projects, as needed
•    Ability and willingness to assist other sub-segments within financial institutions – Americas when needed and/or have the capacity.

Skills and Experience

•    Solid knowledge of private equity fund industry
•    Solid credit analytical skills, including but not limited to financial statement analysis, industry analysis, credit due diligence process
•    Ability to work well with other team members and stakeholders
•    MS Excel, Word and Access
•    Financial market, especially FX
•    Familiarity with ISDA/CSA processing

Qualifications

•    Solid understanding of financial markets and investment funds, as well as their embedded risks associated with their investments and operations.
•    History of performing financial statement analysis is preferable, but not required.
•    Bachelor's Degree with concentration in Finance, Accounting and other related fields. Advanced Certification is a plus (MBA/CFA).
•    Ability to effectively manage competing deadlines for projects in a dynamic work environment, with varying degrees of supervision
•    Strong attention to detail and ability to notice discrepancies in data
•    Strong verbal and written communication skills, with proven ability to work across cultures and within a dynamic environment.

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.