Credit Analysis Team Lead, CCIB

Job Description

Primary responsibility of the role is to manage a team of 5-8 credit analysts and/or financial spreading analysts for a particular region or multiple regions depending on the required head count for each country within the remit of the role. However, the team lead is expected to have hands-on experience to able to train, coach and mentor a team of credit analysts or financial spreading analysts or both as per the requirements of the role. Hence, it is imperative for the people leader to hands-on and in-depth working knowledge across the BCA preparation process. People and Talent
• Provide credit specific coaching to newer or less experienced members of the team
• Provide strong leadership to CA team ensuring independent, quality and timely credit analysis
• Manage team capacity catering to cyclical workloads - ensure timeliness by proactively planning capacity catering to cyclical demands and peak periods
• Develop training plans for team including induction pack for new joiners
• Support Business in the on ad hoc projects and strategic initiatives
• Continually strive to share key relevant knowledge and learning s (lessons learnt from recent transactions / credit events) with other CA Heads
• Monitor metrics and demonstrate quality and timeliness on credit work
Credit Analysis
• Being able to complete a comprehensive credit analysis of the client s portfolio based on financials and additional information provided by the client or available on the public domain or from market research agencies.
• Assessment of balance sheet strength, alongside cashflow and profitability vulnerability, via ratio analysis and/or stress testing.
• Evaluation of specific credit risks associated with the products and type of lending being proposed for the client and in line with the Bank s policy and credit appetite for products and markets.
• Ability to validate projections and working capital requirements as submitted by the client in line with industry and market indices and other indicators prescribed within the Bank s lending guidelines
• Discussion of other pertinent risk aspects, including country risk, parental support and recourse, regulatory concerns, relative ranking of indebtedness, fraud risk etc.
• Ensure use of appropriate calculator in alignment with Credit Policy for relevant approvals
• Articulation of information gaps and additional details required from the client and engage with the Client/RM/GAM in an effective and efficient way; avoid repeated or multiple queries to the client
• Completion of Group Mandate and all sections of the Bank s Business Credit Application (BCA) pertaining to financial analysis/spreads, scorecards and templates for specific products, structured lending, program financing etc.
• The credit analysis should be insightful and identifying all relevant risks and not just limiting to credit and market risk.
Industry Analysis
• Assimilating industrywide information from multiple sources (credit agencies, public domain, sector and research reports released by the Bank from time to time) and providing a consolidated and forward-looking view of the Client s competitive positioning within its industry and related sectors.
• Ability to consume lot of information and prepare succinct and relevant industry reports; conduct an independent SWOT analysis wherever applicable.
• Identify underlying risks and any dependent sector which may impact the Client s industry.
• 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 requirements in light of industry and regulatory standards.
• Development of a current / forward year base forecast performance expectation based on industrywide projections available in reliable industry reports.
• Discussion of the dynamics and nature of the Client s industry, including key risk aspects with RM and Risk whenever required and being able to fill in for the RM in such discussions.
Business Credit Application (BCA) Preparation and Other/Related Risk Management
• Complete or check for completeness for all sections of the Bank s credit application note (BCA) and coordinate with other Risk teams in the Bank like CDD, FCC, Compliance etc. for final submission of the BCA.
• Complete ESRA ( Environment and Social Risk Assessment) checklist based on information available on the client.
• Discussion of management strength, experience and track record and corporate governance in the BCA.
• Coordinate independently with the Global Account Manager (GAM) for parental support and preparing country specific regulatory checklists.
• Preparation of other analysis as directed by the relevant Team Leader, such as industry specific reviews, portfolio reviews, assessments of new prospects etc.
• Testing and Monitoring Covenants & Risk Triggers.
• Pre-deal checks of factors required subsequently for credit approval process.
• Engage in pre-deal discussion/workshop led by RM with Credit for risk/credit related input.
• Support business on structuring deals, providing input on credit related matters like credit appetite, risk mitigation, credit grading etc.
• Participate in pipeline discussion led by RM with internal stakeholders.
Proactive Risk Management
• 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
• Acting as a broader point of expertise in respect of credit aspects with Product and others across SCB
Governance Maintaining integrity in analysis at all times is critical. This includes frequent and iterative discussion with both Client Coverage and Risk around draft analysis, key sector / geographic trends, as well as discussion of covenants, risk triggers and the like. It involves proactive idea generation and discussion with Client Coverage around potential business opportunities for SCB, assisting both Client Coverage and Risk around transaction structuring and execution, where relevant, and identifying and alerting stakeholders of emerging risk aspects on a continuous basis. Our Ideal Candidate
• Bachelor s/Master s degree in Business/Finance/Accounting and/or professional certifications such as:
1. CA/CFA/CPA or equivalent
2. International CFA or equivalent
3. MBA (Finance) from reputed (Tier 1 or Tier 2 institutes)
• Relevant experience in credit analysis and credit support roles in the CCIB or Global Banking Sector (minimum of 5-10 years preferred for team leader roles)
• Education certifications or qualifications are not mandatory if proven track record and sound knowledge gained by considerable experience in similar roles in other Banks or financial institutions or credit rating organisations
• Knowledge of banking products, associated risks and relevant processes gained either in banking, treasury or accounting roles in in the financial sector
• Ability to hold dialogues with clients and external stakeholders as well as internally across all levels.
• Ability to deal with competing demands and multiple priorities within strict timelines.
• Proven ability to operate across cultures and within a diverse workforce
• Ability to working in dynamic environment with a robust transformation agenda
• Strong analytical skills with proven ability to collect and analyse data, establish facts, make recommendations in written and oral form, focused on the assessment and calibration of credit risk
• Excellent oral & written communication and presentation skills
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Keyskills :
tier 2cash flowhuman skillsenvironmental impact assessmentbalance sheet