Credit Analyst - PAM

Credit & Client Risk Management ("CCR") is an integral part of CIB. The CCR mandate is to deliver best in class credit analysis, monitoring and credit administration work to Stakeholder. The role is responsible for conducting a thorough and comprehensive credit assessment of counterparty's credit profile, proposing internal corporate rating, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department. The role holder will be responsible for proactively managing the credit risk (monitoring and analysis) of a complex portfolio of Global Credit Markets (GCM) accounts in close co-ordination with the originating deal team. Key Responsibilities Conducting a thorough and comprehensive credit assessment of counterparty's credit profile, proposing internal corporate rating, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department for GCM accounts. Also, proactive management of the credit risk (monitoring and analysis) of a complex portfolio of GCM accounts. Strategy In line with GCM and Group Strategy. Business Proactive, comprehensive, and timely credit analysis through BCA renewals, quarterly performance reporting, waiver and amendment requests and documentation of credit events. Evaluation and understanding of risks associated with Financing Solutions/Leverage and Acquisition Finance/Project and Export Finance/Structured Finance assets, structural, contractual, and external risks. Financial analysis of a complex customer base using credit skills, ratio analysis, balance sheet and cashflow analysis. Project cash flow forecasting, financial modelling. Evaluation of security, including parental support. Evaluation of project company management and strategy. Risk/mitigation analysis – Sponsor risk, offtaker / market risk, industry risk, supplier risk, technology risk, and other project risks. Take the lead on waivers / consents / amendments / extensions, prepare credit papers and liaise with internal stakeholders (E.g. CREF, Credit, GCIG, Legal etc) for timely approval decisions to the client. Responsible for the accuracy of internal risk ratings and inputting financial and economic data in rating system. Working closely with onshore analysts and credit officers in respective regions to evaluate risk and to monitor a client portfolio. Participate in process improvement initiative of the team. Prepare & give domain specific presentations to team members for their knowledge enhancement. Processes Monitoring, review and reporting (where required) of covenanted items. Quarterly portfolio reporting. Portfolio Risk/Return analysis and profit optimisation. Timely response to portfolio related queries to other areas in the Bank. Accurate and timely responses to ad hoc reporting requests. Ensure that credit files are complete and maintained to an auditable standard. Timeliness and quality of credit analysis. Protection of the credit risk profile of the portfolio when making recommendations to credit; and Timeliness and accuracy in reporting. Active participation in projects which will impact upon the GCM Portfolio. Compliance with Bank policies and procedures. Governance Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role. Responsible for delivering 'effective governance'; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner. 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.

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