Overview

Credit Analyst, Institutional Banking  (2000008355)
 

Job

: Institutional Banking

Primary Location

: Africa & Middle East-United Arab Emirates-Dubai

Schedule

: Full-time

Employee Status

: Permanent

Posting Date

: 04/Jun/2020

Unposting Date

: Ongoing

 

 

Leading the way in International Banking.  We support the people and companies driving investment, trade and wealth creation across Asia, Africa and the Middle East. And our heritage and values are expressed in our brand promise – here for good.  See our Brand and Values
 
We are currently looking for a Credit Analyst, this is a pipline role
 
 Credit Analysis

 

 

To provide insightful, relevant,
succinct and timely 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

Insightful: Attuned to the needs of two audiences –
Client Coverage and Risk – the analysis should provide a forward-looking,
focused opinion on the likely development of both business and financial risk
elements in their industry / geographic context together with a calibrated
articulation of key risks and potential mitigants thereto.

Relevant:  As well as a holistic counterparty
assessment, analysis should comment on structural elements relevant to SCB’s
existing or proposed exposure such as guarantee and security arrangements

Succinct: While always providing sufficient
granularity to substantiate its conclusions and observations, the analysis
should present opinion in as structured and succinct a manner as is practical

Timely:  While focused on the prescribed annual
review cycle, analysis will also be required where material new exposure is
being considered by Client Coverage.  In addition, more summary
analysis should be produced and disseminated quickly, where relevant

Additionally, for any BCA submission
it will involve the following:

  • Critical
    review of Environment and Social Risk Assessments, Appropriateness and
    Suitability Assessments (FM Products);
  • Consistency
    and coherence review of the Approved Account Plan, Raptor (or
    equivalent), Client & Group Facility Summary & Structure
    (including Terms and Conditions)
  • Active
    partnership with Client Coverage in completion of Risk Profile,
    Compliance Details, as well as proposed Covenants and Risk Triggers

Overall accountability for consistency
and coherence of the complete BCA package submitted to Risk will rest with
Credit Analysis and is a key element of this Job Purpose

Key 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 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, 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.

 

 

We are committed to building a culture that fosters a diverse and inclusive environment that’s free from bias, where everyone can realise their full potential and make a positive contribution.  This is just one of our values that is expressed in our brand promise – here for good.  Apply Now…

 

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About Standard Chartered

We offer banking services that help people and companies to succeed, creating wealth and growth across our markets. Our heritage and values are expressed in our brand promise – Here for good.

With more than 86,000 employees and a presence in 60 markets, our network serves customers in close to 150 markets worldwide. We're listed on the London and Hong Kong Stock Exchanges as well as the Bombay and National Stock Exchanges in India.