Credit Analyst

Standard Chartered Bank Ltd
India, IN
Oct 21, 2019
Oct 23, 2019
Contract Type
Full Time
Level of qualification
CIMA, Newly qualified, Qualified
About Standard Chartered We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East. To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good. We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base. The Role Responsibilities 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 Clients industry, including key risk aspects; Assessment of the Clients competitive positioning within its industry; Discussion of management strength, experience and track record and corporate governance more broadly; Articulation of the Clients 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, Group Aggregation Calculator); Complete ESRA (Environment and Social Risk Assessment) Checklist; For Cat 2 lines, complete Financial Markets Appropriateness and GWWR Attribute checklist; 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 CCC Certification Preparation of other analysis as directed by the relevant Team Leader, such as Industry specific reviews, portfolio reviews, assessments of new prospects etc. Stakeholder Partnership In respect of Clients where the role-holder is assigned as analyst 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 Accompanying Relationship Managers on client visits, as part of general due diligence in respect of credit analysis Acting as a broader point of expertise in respect of credit aspects with Product and others across SCB Team Development Support CA Team Leaders and others in the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the teams 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 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 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 Minimum of 3 years relevant experience gained either in banking, treasury or accounting environment 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 Apply now to join the Bank for those with big career ambitions.