Credit Analyst

Job Description

1. Credit Analysis
Timely drafting of credit analysis comprising of corporate clients as directed by the relevant Team Leader. Such analysis should be Insightful, Relevant and Succinct 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
Preparation of other analysis as directed by the relevant Team Leader, such as Industry specific reviews, portfolio reviews, stress tests, assessments of new prospects etc.Completion of account spreading (where needed) and scorecard determination within Creditmate, alongside other factors necessary to propose a preliminary credit grading to Credit.In respect of clients where the role-holder is assigned as analyst, finalisation of relevant Group Mandate and/or Business Credit Application Part II and General Wrong Way Risk assessment, liaising with Client Coverage as necessary.
1. Stakeholder Partnership
In respect of Clients where the role-holder is assigned as analyst:
• 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
• Accompanying Relationship Managers on client visits, as part of general due diligence in respect of credit analysis
• Acting as a broader point of expertise in respect of credit aspects with Product and others across SCB
1. Team Development
• Support CA Team Leaders and others in the team on ad hoc projects and exercises aimed at improving or enhancing the team s activities
• Continually strive to share key relevant knowledge and learning s with others across the team
• Provide specific coaching to newer or less experienced members of the team
1. 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.
Key Stakeholders Internal Relationships:
• GAMs, RAMs, FAMs
• Risk
• Product partners
• COBAM, where relevant
• Legal, Audit and Compliance, where relevant
• Operations teams, where relevant
External Relationships:
• Clients
• Rating Agencies
• Market Data Services providers
Our Ideal Candidate Key requirements:
• Analytical strength to spot emerging risks, in particular
• Gravitas to engage with Relationship Managers and Clients alike in a robust, but constructive manner
• Collaborative to work in partnership with stakeholders to get things done , fulfilling the Job Purpose
Experience & Skills:
• Minimum of 4-5 years relevant experience gained either in banking, treasury or accounting environment. Candidates with experience in structuring and executing deals would be preferred.
• Strong analytical ability, focused on the assessment and calibration of credit risk
• Strong verbal and written communication skills (in English), with proven ability to work across cultures and within a dynamic environment
• Able to hold credible dialogue at all levels of the organisation, as well as with clients
• Well organized, able to multi-task and balance competing demands
Role Specific Techincal Competenices
• Credit Analysis Skills
• Team Player
Qualifications:
• Graduates
• Sound knowledge of accounting and financial principles gained by experience or qualification
  • MBA or CFA qualifications advantageous, but not required
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Keyskills :
creditbankingfinancial statementsriskfinancekeeping things simplecash flowhuman skillsbalance sheetdue diligencedata servicesclient visits