Associate Director, Credit Analyst

4 weeks ago

Sydney, Australia Standard Chartered Full time

**Job***: Institutional Banking

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

**Schedule***: Full-time

**Employee Status***: Permanent

**Posting Date***: 14/Apr/2023, 12:58:15 AM

**Unposting Date***: 14/May/2023, 1:29:00 PM

**Roles and Responsibility**
**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, 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 / Credit Risk Control / Client Documentation Unit 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 or requiring Additional review, 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) and liaise with Credit for work-shopping.
- Liaise with Global Relationship/ Local Relationship Manger 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 and 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
- Provide credit specific coaching to newer or less experienced members of the team

**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 dra

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