Associate Director, Credit Analyst

Job Description

Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role youve 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.The Role Responsibilities Business Timely drafting of credit analysis as directed by the relevant Team Leader. Such analysis should be Insightful, Relevant and Succinct (see Job Purpose) and include the following, inter alia:
• Discussion of the dynamics and nature of the Client s industry, including key risk aspects;
• Assessment of the Client s competitive positioning within its industry;
• 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;
• Development of a current / forward year base forecast performance expectation;
• Assessment of balance sheet strength, alongside cashflow and profitability vulnerability, via ratio analysis and/or stress testing;
• Discussion of other pertinent risk aspects, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness;
• Evaluation of risks associated with particular proposed transactions, where required;
• Completion of Group Mandate/BCA Part 1, Part 2, financial analysis/spreads, scorecards;
• Ensure use of appropriate calculator in alignment with Credit Policy for relevant approvals (e.g. Raptor, Trident);
• Complete ESRA ( Environment and Social Risk Assessment) Checklist ;
• For Cat 2 lines, complete Cat 2 substantiations and EAF scoresheets;
• For Cat 2 lines, Credit Term Sheet updates based on RM/Risk/MDU feedback;
• Supporting business on structuring deals;
• Documentation support on credit aspects and working with CRC/LDU on BCA reworks;
• Testing and Monitoring Covenants & Risk Triggers;
• EAR & ASTAR reporting/updates to credit;
• Seek pre-approval endorsements (where applicable);
• Preparing country specific regulatory check-lists (where applicable);
• Credit stress testing
• CCRMC or FIRC Certification
Preparation of other analysis as directed by the relevant Team Leader, such as Industry specific reviews, portfolio reviews, assessments of new prospects etc.Processes
• To provide insightful, relevant, succinct and timely (see below) credit analysis of a portfolio of SCB s clients (current or prospective).
• This includes responsibility for proposing counterparty credit grades via the relevant scorecard, and ongoing monitoring for credit-material events. While the portfolio will be industry / geography specific in focus, the role extends to analysing other clients as may from time to time be required.
People and Talent
• Support CA Team Leaders and others in the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the team s activities
• Continually strive to share key relevant knowledge and learnings with others across the team
• Provide credit specific coaching to newer or less experienced members of the team
Risk Management
• Be proactive in ensuring compliance with Bank policies and procedures and lead preparation of client files for audit purposes
Governance
• Responsible for assessing the effectiveness of the Group s arrangements to deliver effective governance, oversight and controls in the business and, if necessary, oversee changes in these areas
• Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
• Responsible for delivering effective governance ; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.
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.
• Lead the Cote d Ivoire CCIB Credit Analysis team to achieve the outcomes set out in the Bank s Conduct Principles : [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.] *
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key Stakeholders Internal Relationships:
• GAMs, RAMs, FAMs
• Risk
• Product partners
• CDD, where relevant
• Legal, Audit and Compliance, where relevant
• Physical Commodity Operations, where relevant
External Relationships:
• Clients
• Rating Agencies
• Market Data Services providers
Other Responsibilities
• Embed Here for good and Group s brand and values in CCIB, Cote d Ivoire Business or Functional policies and procedures.
Our Ideal Candidate Key requirements:
• Analytical strength to spot emerging risks, in particular forward-looking industry trends.
• Gravitas to engage with Relationship Managers and Clients 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.
Experience & Skills:
• 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.
Educational Qualifications:
• Graduates / Graduate calibre,
• Sound knowledge of accounting and financial principles gained by experience or qualification,
• MBA or CFA qualifications advantageous, but not required,
• Relevant language skills advantageous, but not required.
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Keyskills :
financeadvisorycompliancereportingcustomer relationskeeping things simplecash flowcredit riskhuman skillsbalance sheetdata servicescredit policy