Associate, Portfolio Management

Job ID: 28614

Location: Singapore, SG

Area of interest: Institutional Banking

Job type: Regular Employee

Work style: Office Working

Opening date: 15 May 2025

**JOB SUMMARY**
- The PAM team sits within Syndicate & Financing Risk Group. PAM is in charge of proactive management of the credit risk (monitoring and analysis) of a complex portfolio of Global Credit Market accounts in close co-ordination with the originating deal team.
- The PAM team portfolio mainly covers the following products: Commercial Real Estate Financing, Project Finance, Transportation Finance, Leverage and Acquisition Financing,, Financing Solutions, and Fund Finance.

**RESPONSIBILITIES**

**Strategy**
- Conduct Risk/Return analysis and optimise usage of capital. Recommendations to be based on forward looking risk considerations
- Support on packaging deals with the distribution / securitisation teams for Funded/Unfunded Risk Participations or synthetic sell downs
- Actively support in managing the GCM loan portfolio returns by minimising ECLs

**Business**
- Monitor the Credit Grades and recommend timely downgrades and upgrades as necessary
- Take the lead on waivers / consents / amendments / extensions, prepare credit analysis and liaise with internal stakeholders (E.g. deal teams, Credit, Legal etc) for timely outcomes
- Take the lead in Early Alert identification, monitoring, updating, and discussions
- Financial analysis of a complex customer base using credit skills; ratio analysis; balance sheet and cashflow analysis;
- Evaluation of security, including parental support
- Evaluation of project company management and strategy
- Early detection of adverse credit issues and early alert reporting to credit as required
- Ensure forward looking Credit analysis and make recommendations to actively sell down/Credit insure riskier assets in the book. Ability to analyse Risk/Return analysis and optimise profits (own portfolio as well as Directs (as applicable)). Recommendations to be based on forward looking risks (driven by CG downgrades and hence incremental Credit losses, stress tests, etc) support on packaging deals with the distribution / securitisation teams for Funded/Unfunded Risk Participations or synthetic sell downs (eg. CLOs)

**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 stakeholders 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
- Timeliness and accuracy in reporting
- Compliance with Bank policy and procedures

**People & Talent**
- Credit analysis skills
- Financial analysis skills
- Able to analyse excel-based financial models

**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

**Key Stakeholders**
- Credit Risk, GCM Business Partners, Loan Syndications, Audit

**Other Responsibilities**
- Embed Here for good and Group’s brand and values in PAM team globally.
- Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
- Education Bachelor degree from a recognizable university
- Languages Oral and written communication skills
- 2+ Years of Experience in Financial institutions
- Experience in commercial real estate related credit analysis is an advantage
- Financial analysis of a complex customer base using credit skills; ratio analysis; balance sheet and cashflow analysis

**Role Specific Technical Competencies**
- Ability to undertake credit analysis and evaluation and understanding of risks associated with Global Credit Market deals
- Financial analysis of a complex customer base using credit skills; ratio analysis; balance sheet and cashflow analysis
- Able to analyse excel-based financial models
- Risk Management and Internal Controls
- Manage Conduct
- Compliance - Governance, Oversight and Control
- Business - St