Director, Credit Analyst, FI

Roles & Responsibilities

Job Summary :

We are hiring under the Financial Institutions team. This is an important business which not only manages the firm's relationships with banks, insurance companies, broker / dealers, hedge funds, real money funds, PE firms, government entities, fintech, etc. globally, but also assists to overcome challenges our clients may face and help them meet their financial and business objectives. This is a Cluster lead position, and your daily job would include the following (not exhaustive):

• Provide Relationship Managers with client insights in relation to an industry sector, client information and account plans
• Manage ongoing quality of portfolio, producing exception reports, review credit extending across entire portfolio to ensure consistency of approach
• Educate Relationship Managers on macroeconomic fundamentals impacting their credit portfolio
• Provide creative recommendations to Relationship Managers by monitoring peer groups & competitors and undertaking industry reviews based on non-standard industry / company information / data (equity, credit reports, press and magazine reports)
• Develop good relationship with clients to understand their banking requirements, structure deals, and get insights into their business and financials
• Work closely with client to ensure product / deal structure appropriateness
• Be engaged in deal origination and execution efforts including providing assistance to Relationship Managers for the same
• Monitor portfolio revenues and returns and ensuring the accuracy of MIS
• Liaise and manage various product partners, across Parent and client subsidiary locations on account management and origination
• Evaluate learning around exception cases and seek to share this with other Analysts to help properly capture risk profiles and ensure robust credit analysis
• Assist the Team Lead in providing oversight over relevant team members. This will include maximising potential and achieving relevant performance objectives, providing mentoring and guidance as well as be instrumental in resolving bottlenecks and supporting development objectives of the team
• Develop talent in alignment with the CIB and country (Singapore core) talent proposition
• Assist Team Lead / Relationship Managers / other team members on ad-hoc projects / deals etc. as and when required
• Candidates with prior Corporate and Financial Institutions experience will be viewed favourably.

Key Responsibilities

Strategy

Assisting the Relationship Managers to run the account strategies of Financial Institutions Singapore portfolio of clients effectively.

Business

Assisting the Financial Institutions Singapore relationship managers in driving client revenues & meeting revenue return targets for the Business by ensuring effective collaboration across the various internal & external stakeholders on a Business-As-Usual basis.

Processes

Plays a key role in managing the end-to-end credit application process for Financial Institutions Singapore for existing clients as well as new-to-bank clients.

People & Talent

To contribute to the upskilling agenda of the wider Corporate & Investment Banking (CIB) Singapore credit analyst team by training and providing mentorship to the junior credit analysts across CIB Singapore, interns and International Graduates.

Risk Management

Responsible for identifying, assessing, monitoring, controlling and mitigating potential credit / business risks to the Financial Institutions Singapore franchise while driving revenues in collaboration with the relationship managers and various product partners.

Governance

Awareness and understanding of the regulatory & credit process / policies 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

• Business heads and relationship managers
• Client Management team
• Credit Risk teams
• Product partners & relevant product risk teams
• Credit Portfolio Management Team
• Legal, Audit and Compliance, where relevant

Our Ideal Candidate

• 5 + Years of Experience in Credit Risk Management
• Experienced in Credit Analysis / Quantitative Analysis / Financial Modelling
• Solution / Deal Structuring Experience

Role Specific Technical Competencies

• Industry / Business Knowledge
• Corporate Banking Product Knowledge
• Account Strategy and Planning

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've 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 you're 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 can't 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, you'll 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
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

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 leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along 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 you've 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

Tell employers what skills you have

Product Knowledge
Producing
Credit Risk Management
Assessing
Financials
Quantitative Analysis
Investment Banking
Risk Management
Strategy
Portfolio Management
Financial Modelling
Banking
Wellbeing
Regulatory Requirements
Senior Stakeholder Management
Oral & Written Communication Skills
Credit Risk
Credit Analysis

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