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Lead a team of credit analysts in Guangzhou, enhancing portfolio risk assessment and sustainability analysis.
Apply your expertise in financial analysis, BCA preparation and strategic risk management within Standard Chartered's CCIB.
Job Summary
Credit and Portfolio Analytics (CPA) is an integral part of the CCIB. The CPA mandate is to deliver best in class credit analysis, monitoring and credit administration work to Stakeholder. The role is responsible for conducting a thorough and comprehensive credit assessment of counterparty’s credit profile, proposing internal corporate rating, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department.
Key Responsibilities
Primary responsibility of the role is to manage a team of 5-8 credit analysts and/or financial spreading analysts for a particular region or multiple regions depending on the required head count for each country within the remit of the role. Conducting a thorough and comprehensive credit assessment of counterparty’s credit profile, proposing internal corporate rating, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department.
Team lead is expected to have hands‑on experience to able to train, coach and mentor a team of credit analysts or financial spreading analysts or both as per the requirements of the role. Hence, it is imperative for the people leader to hands‑on and in‑depth working knowledge across the BCA preparation process.
Strategy
In line with CCIB and Group Strategy.
Business
Support the CCIB Client Coverage team for Credit Analysis and other Client Risk activities.
Processes
Being able to complete a comprehensive credit analysis of the client’s portfolio based on financials and additional information provided by the client or available on the public domain or from market research agencies.
Assessment of balance sheet strength, alongside cashflow and profitability vulnerability, via ratio analysis and/or stress testing.
Evaluation of specific credit risks associated with the products and type of lending being proposed for the client and in line with the Bank’s policy and credit appetite for products and markets.
Ability to validate projections and working capital requirements as submitted by the client in line with industry and market indices and other indicators prescribed within the Bank’s lending guidelines.
Key Responsibilities
Discussion of other pertinent risk aspects, including country risk, parental support and recourse, regulatory concerns, relative ranking of indebtedness, fraud risk etc.
Ensure use of appropriate calculator in alignment with Credit Policy for relevant approvals.
Articulation of information gaps and additional details required from the client and engage with the Client/RM/GAM in an effective and efficient way; avoid repeated or multiple queries to the client.
Completion of Group Mandate and all sections of the Bank’s Business Credit Application (BCA) pertaining to financial analysis/spreads, scorecards and templates for specific products, structured lending, program financing etc.
The credit analysis should be insightful and identifying all relevant risks and not just limiting to credit and market risk.
Complete or check for completeness for all sections of the Bank’s credit application note (BCA) and coordinate with other Risk teams in the Bank like CDD, FCC, Compliance etc. for final submission of the BCA.
Complete ESRA (Environment and Social Risk Assessment) checklist based on information available on the client.
Discussion of management strength, experience and track record and corporate governance in the BCA.
People & Talent
Provide credit specific coaching to newer or less experienced members of the team.
Provide strong leadership to CA team ensuring independent, quality, and timely credit analysis.
Manage team capacity catering to cyclical workloads - ensure timeliness by proactively planning capacity catering to cyclical demands and peak periods.
Develop training plans for team including induction pack for new joiners.
Support Business in the on ad hoc projects and strategic initiatives.
Continually strive to share key relevant knowledge and learning’s (lessons learnt from recent transactions / credit events) with other CA Heads.
Monitor metrics and demonstrate quality and timeliness on credit work.
Lead through example and build the appropriate culture and values in respective team.
Set appropriate tone and expectations from their team and work in collaboration with stakeholder.
Risk Management
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.
Acting as a broader point of expertise in respect of credit aspects with Product and others across SCB.
Governance
Maintaining integrity in analysis always is critical. This includes frequent and iterative discussion with both Client Coverage 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 Client Coverage around potential business opportunities for SCB, assisting both Client Coverage 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, elevate, mitigate and resolve risk, conduct and compliance matters.
Key stakeholders
In country Credit Analysis team
Functional
Advanced conceptual knowledge on accounting fundamentals.
Good knowledge on financial and banking products.
Good understanding of rating methodologies
Bloomberg and Reuters functional knowledge.
Behavioural
Result Orientation
Client Focus
Contribution to Strategy
People Development
Change leadership
Cooperation
Team Leadership
Skills and Experience
Risk & Credit Underwriting
Analytical Skill, including an understanding of key financial components with the ability to identify root causes and trends.
Knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
Industry research capabilities including risk and key drivers
Written and Verbal communication skill with the ability to communicate clearly and concisely to audiences
Proficient Microsoft Office (Word, Excel and PowerPoint) skill
Qualifications
Master’s degree in business/Finance/Accounting and/or professional certifications such as:
CA/CFA/CPA or equivalent
International CFA or equivalent
MBA (Finance) from reputed (Tier 1 or Tier 2 institutes)
Relevant experience in credit analysis roles in the CCIB or Global Banking Sector (minimum 7 years of relevant experience with minimum 1 year of experience in Assistant TL role in credit domain)
Knowledge of banking products, associated risks and relevant processes gained either in banking, treasury or accounting roles in in the financial sector.
Ability to hold dialogues with clients and external stakeholders as well as internally across all levels.
Ability to deal with competing demands and multiple priorities within strict timelines.
Proven ability to operate across cultures and within a diverse workforce.
Ability to working in dynamic environment with a robust transformation agenda.
Excellent oral & written communication and presentation skills
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.
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Job Skills
Key Skills
Knowledge of Finance
Business Administration
Relevant Skills
Strategic Thinking
Risk Assessment
Generation of Ideas
Transactional Law
Balance Sheets
Microsoft Word
Vulnerability
Self Motivation
Working Capital
Innovation
Business Credit Reports
Geography
Continuous Training
Client Coverage
Risk Analysis
Performance Monitor
Service Orientation
Leadership
Mentoring
Business Support Systems
Articulation
Governance
Portfolio Management
Banking Services
Financial Analysis
Global Financial Services
Assertiveness
Microsoft Office
Corporate Governance
Cash Management
Market Research
Team Management
Elearning
Risk Management
Analytical Thinking
Credit Risks
Sustainability
Reputational Risk
Ratios Analysis
Mental Health
Demonstration Skills
Microsoft Excel
Industrial Analysis
Microsoft PowerPoint
Market Risk
Accounting
Communication Skills
Credit Analysis
Financial Underwriting
Knowledge of Professional Development
Perseverance
Generally Accepted Accounting Principles
Credit Management
Metrics
Stress Testing
Administrative Operations