Credit Analyst

工作内容

Role Responsibilities

Strategy

• Awareness and understanding of the Group’s business strategy and model appropriate to the role.

Business

• Provide direct support to RMs on the Credit Functions on all credit related matters.
• Provide timely credit analysis - client’s industry, competitive position, management strength, financial standing including but not limited to income statement, balance sheet, cash flows etc, and risk analysis.
• Complete Group Mandate (GM), Business Credit Application (BCA) Part 1, Part 2 (Credit Profile), financial analysis / spreading, scorecards, ESRA, RRMA, BCA checklist, country specific regulatory checklists and other required information for GM / BCA package.
• Ensure Climate Risk is assessed for entities in scope and Risk Triggers is added. Climate Risk is considered as part of overall credit risk and climate related data should be timely refreshed to ensure a quality assessment.
• Test and monitor Covenants & Risk Triggers.
• Prepare Early Alert Report where appliable.
• Ensure alignment with the Bank’s credit policy and procedure.
• Evaluate risks associated with particular proposed transactions.
• Work with RMs to conduct quarterly portfolio review or ad-hoc portfolio review.
• Participate client calls or site visits along with RMs.

Processes

• Work with RMs to manage RWA and RoRWA requirement with timely update of the client’s Credit Grade.
• Prepare timely stress test on the client’s financial risk, Climate / ESG risk or other risk wherever required.
• Provide support on regulatory stress test wherever required.
• Ensure satisfactory completion of internal audit and regulatory audit.
• Prepare EAC or Board approval request wherever required.
• Prepare specific industry research and study.
• Assist and engage relevant stakeholders to simplify internal process.

Risk Management

• Ensure timely submission of quality Quarterly Credit Reports.
• Monitor Risk Triggers, Covenants and other credit conditions and report appropriately.
• Achieve zero BCA over dues caused by CA.
• Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.
• Attend Early Alert (EA) or Portfolio Review meetings along with Senior / RM.
• In partnership with the Senior/RM, ensure timely identification of accounts to be put in EA as per the bank’s policies and guidelines.

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group’s Values Behaviour 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.

Key Stakeholders

• Global or Regional or Country CCIB Coverage and Product partners eg. RM, GAM / FAM, FM, CF and TB.
• Global or Regional or Country Function partners e.g. Risk, Compliance, Legal, COO, HR, Finance and Corporate Affairs.
• Global or Regional or Country management team members if required.

Other Responsibilities

• Embed Here for good, Sustainability and Group’s brand and values in daily duties.
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
  

Our Ideal Candidate

• Bachelor’s degree or equivalent experience - Master’s preferred
• 2 +years of relevant experience in Credit Analyst, Assistant Relationship Manager, Relationship Manager or Credit Approver or CPA firm.
• Sound knowledge of industry, accounting, financial principles, climate / ESG risk assessment gained by experience or qualification.
• Relevant language skills advantageous.
• MBA or CFA qualifications advantageous, but not required.
• Good skill in Excel.
  

About Standard Chartered
We’re an international bank, nimble enough to act, big enough for impact. For more than 160 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
• 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 you’ve 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.
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