Associate, Credit Analysis, FI

Job Description

* Role Responsibilities Business We are hiring under the Financial Institutions team. This is an important business which not only manages the firms relationships with banks, insurance companies, broker / dealers, hedge funds, real money funds, PE firms, government entities, fintech, etc. globally, but also assists to overcome challenges our clients may face and help them meet their financial and business objectives.The key role as an Analyst is to provide independent credit analysis and form the basis for implementing a credit strategy aimed at maximizing our client wallet share. Analysts provide Relationship Manager(s) with a thorough understanding of the client s industry, business cycles, and other relevant factors. To meet this objective, Analysts may focus on certain specific industry segments, along with effectively managing a credit portfolio.We are looking for a dynamic and energetic team-mate to join the Financial Institutions team in Singapore to contribute to the team as a Credit Analyst. The role involves working closely with key stakeholders including local and global Relationship Managers, Credit Risk, Credit Policy, Products, Compliance, Reporting, etc to align business strategy and drive the business growth. Processes The candidate would be primarily responsible for managing the Credit risk associated with the portfolio and ensuring high quality of the portfolio. This includes managing ongoing quality of portfolio, producing exception reports, review credit extending across entire portfolio to ensure consistency of approach.The candidate will also be work closely with the Relationship Managers (RM) for origination and coverage of a portfolio an play a vital role in deal structuring to add good value from a credit / policy perspective as well as facilitate revenue growth in the portfolio.
• End to end deal management - from identifying needs, structuring to term-sheet and credit approvals. Coordinate inputs and approvals from internal stakeholders on transactions.
• Work with RM on executing account plans of the clients they cover, establishing, and maintaining an understanding of the client and their needs and steering the client relationship along with the relevant GAM, where applicable.
• Provide client insights in relation to an industry sector, client information and account plans.
• Provide creative recommendations to the RM by monitoring peer groups and competitors and undertaking industry reviews based on non-standard industry / company information / data (equity, credit reports, press and magazine reports).
• Evaluate learning around exception cases and seek to share this with other Analysts to help properly capture risk profiles and ensure robust credit analysis.
• Assist Head CA / Relationship Managers / other team members on ad-hoc projects / deals, etc as and when required.
• Acts as a champion of the Bank s brand, culture, and conduct standards.
• Assist, train and mentor Interns and International Graduates.
Regulatory and 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, escalate, mitigate and resolve risk, conduct and compliance matters.
• Compliance with local regulations (MAS) and global regulations (PRA FCA).
Our Ideal Candidate
• Bachelors Degree or post graduate qualified from a top-tier school.
• Minimum 2 + years of professional experience.
• Excellent analytical skills, with proven ability to interpret, analyse and present information.
• Strong stakeholder management skills to manage multiple stakeholders across Industry, Product and Risk.
• Deal experience and understanding of Product capabilities of the Bank to help identify business opportunities and associated risks would be preferable.
• Self-confident person with a high level of drive, dedication, pride and exceptional attention to detail and a team player.
Role Specific Technical Competencies We are looking for an individual with a Can-Do Attitude and who is a Team Player focused on building a value accretive Business for the bank by doing more with our clients while managing risk. Specific skills include
• Credit Risk Management
• Credit Analysis / Quantitative Analysis
• Good hands on exposure to financial modelling
• Solution / Deal Structuring
• Corporate Banking Product Knowledge (in particular Trade financing products)
• Industry / Business Knowledge
• Account Strategy and Planning
• Ability to use Microsoft Office suite of products.
About Standard Chartered Were an international bank, nimble enough to act, big enough for impact. For more than 160 years, weve 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 youre 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 cant 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, youll 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
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
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, parental/maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with 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 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. Visit our careers website www.sc.com/careers ,

Keyskills :
credit riskcredit policyanalytical skillslife insurancehuman skillscredit reportskeeping things simple