Credit Analyst - NBFI

Job Description

*The Role Responsibilities
• Periodic portfolio review and credit analysis of Non-Bank Financial Institution counterparties, to cover the following segments: Public sector, Development organisations, Clearing houses, Broker dealers and Insurers.
• Assessment of operating environment and client s industry; monitor regulatory updates and financial news.
• Assess balance sheet strength, including funding strategy, treasury activity, management and governance risks and capital management.
• Discuss other pertinent risk aspects, including parental and/or governmental linkage/support.
• Active engagement (when required) in sector reviews.
• Articulate the client s strategy and assess execution risks.
• Engage with and actively monitor SCB s clients alongside relationship team.
• Evaluate risks associated with proposed transactions across the bank s product suite and ensure that all credit propositions (including limit setting and credit grading) are both coherent and meet internal requirements.
Strategy
• Awareness and understanding of the Group s business strategy.
• Provision of insightful, relevant, and timely credit analysis, including thorough, proactive monitoring of risks and forward-looking view over an appropriate time horizon, involving (if required) detailed modelling and scenario analysis.
• Focus on clients and growth
Business
• Awareness and understanding of the wider business, economic and market environment in which the Group operates.
• Engage with the bank s strategic and performance objectives in a proactive and sustained manner, with particular focus on removing blockages to appropriate risk oversight and/or business development.
• Partnership with Client Coverage in sourcing and retaining client business, including through client engagement, striving to understand client strategy and support on initiatives and growth efforts.
Processes
• Ensure adherence to all internal/regulatory policies & regulation.
• Ensure adherence to group credit risk policies and procedures.
People and Talent
• Maintain the banks global standard through execution of mandatory learning agenda.
• Continually strive to share key relevant knowledge and learnings with others across the team.
Risk Management
• Be an active member of the first line of defence through identifying, assessing, monitoring of risks, propose controls and mitigation.
• Be proactive in ensuring compliance with Bank policies and procedures.
• Maintain high standards of credit risk oversight, policies and procedures, cognisant of the regulatory and reputational risk.
Governance
• Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
Regulatory & Business Conduct
• Display exemplary conduct and live by the Group s Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key Stakeholders
• Relationship and Client Managers
• Risk approval teams
• Product Partners
• Credit Policy
• Clients
Other Responsibilities
• Support CA Team Leaders and others in the team on ad hoc projects
Our Ideal Candidate
• Sound knowledge of accounting and financial principles and understanding of balance sheet strength and income statement, gained by experience or qualification.
• Minimum 1-3 years of experience in a similar role at a bank, financial institution or rating agency.
• Expertise in Excel and Word
• Relevant language skills advantageous, but not required.
About Standard Chartered Were an international bank, nimble enough to act, big enough for impact. For more than 160 years, weve worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If youre looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents. And we cant wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, youll see how we value difference and advocate inclusion. Together we:
• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations
• Time-off including annual, parental/maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with with minimum global standards for annual and public holiday, which is combined to 30 days minimum
• Flexible working options based around home and office locations, with flexible working patterns
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.
Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role youve applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.Visit our careers website www.sc.com/careers,

Keyskills :
financecreditbankingfinancial statements