Credit Analyst

1 month ago

Sydney, Australia Standard Chartered Full time

**Job***: Institutional Banking

**Primary Location***: Asia-Australia-Sydney

**Schedule***: Full-time

**Employee Status***: Permanent

**Posting Date***: 01/Nov/2023, 12:22:14 AM

**Unposting Date***: 15/Nov/2023, 5:59:00 PM

**The Role Responsibilities**

**Credit Analysis**
- Analysing financial statements and performing in-depth quality credit research and detailed analysis.
- Evaluate risks based on analysis of financial data and thorough understanding of client’s industry, business cycles, industry environment, environmental & social risks, Fraud Risk Analysis, Climate Risk Analysis where applicable and other relevant factors using tools such as Scorecard, Forecast analysis, Environment and Social Risk, Reputational Risk assessment, RWA calculator etc.
- Evaluation and understanding of risks associated with individual transactions, products and borrowers and their activities.
- Attend customer meetings, analysts briefings and interact with appropriate people within the customers’ organisation when required to achieve a clear understanding of risks and to ensure familiarity with customer business.
- Appropriate risk grading and risk tracking of the clients in keeping with the guidelines of the bank.
- Structuring credit solutions for the clients in conjunction with the Sales/Product team and ensuring the appropriateness of the products sold.
- Liaise with legal / external counsel / Internal documentation and Limit set up teams on credit related items for various banking facilities provided to clients.

**Credit Monitoring**
- Ensuring compliance with all facility terms and conditions.
- Monitor receipt of financial information for annual reviews and also on an ongoing basis (half yearly financials, newspaper/analyst reports).
- Monitor financial reporting covenants, risk triggers, non-credit conditions and external credit grading.
- Monitor credit quality by highlighting early warning signs of credit deterioration.
- Evaluation of security including evaluation of parent support policies.
- Monitor news/ articles/ announcements, which will impact customer’s credit quality.
- Conducting stress case scenarios for specific sectors/or any specific clients based on various scenarios.
- Monitoring of clients placed on Early Alert if any. Providing timely updates to Credit teams.

Sales Support
- Proactive participation in account planning sessions along with the Global Account Managers.
- Proactively assist Global Account Managers in preparation of credit related call reports and briefing notes and undertake research.
- In partnership with the RM to prepare the deal clearance memo, obtain the necessary pre approvals (eg: negative ER / segmentation, new relationship) and liaise with Credit for work-shopping.
- Liaise with Global Relationship / Local relationship Managers for credit matters.
- Review of FAM accounts (for GAMs) and liaising with credit on any credit issues.
- Build profile with client via frequent interaction and contact (e.g.: client calls, visits and events).

Compliance
- Ensure compliance with Banks’ policies and procedures to ensure that any breaches are authorised at the correct approval level.
- Completion of all mandatory risk and compliance training including e-learning within the stated timeframe.

Other Tasks
- Prepare for internal audit reviews, compliance monitoring reviews and/or external regulatory examinations including stress tests.
- Liaise with peers to assist and share best practices.
- To be environmentally friendly and embrace such practices to ensure compliance with the Bank’s Social and Environment objectives.
- To participate and be actively involved in relevant bank initiatives and activities.

**Strategy**
- To provide insightful, relevant, succinct and timely (see below) credit analysis of a portfolio of SCB’s clients (current or prospective), across Corporate and Financial Institutions

**Business**
- To partner the team’s two key stakeholder communities, Client Coverage and Risk, supporting the former in developing and executing their client strategies and both in respect of credit analysis-relevant matters.

**Processes**
- Provide focused, timely, and value-added ongoing credit assessment and analysis and reports, with proactive monitoring of client portfolio for adverse or positive developments, based on country, economic or industry events

**People & Talent**
- Support CA Team Head 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
- Support other team members by sharing workload, as required.

**Risk Management**
- Conducting Risk Management as described under Credit Monitoring section above

**Governance**
- Maintaining integrity in analysis at all times is critical. This includes frequent and iterative discussion with both Client Coverage and Risk around draft analys

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