Director, Credit Analysis, FI

  • Competitive
  • Kuala Lumpur, Malaysia
  • Permanent, Full time
  • Standard Chartered Bank Malaysia Berhad
  • 25 Feb 18 2018-02-25

Director, Credit Analysis, FI

The Human Bank. As a Global Bank we have opportunities that go beyond country borders. If you think you are ready for your next career move, and if you fit the skills and requirements of this role, a new adventure may await you.

To succeed in this role we are looking for Director, Credit Analysis, Financial Institutions

Key Roles & Responsibilities:

Business & Processes

  • Timely drafting of credit analysis, 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, competitive positioning, including key risk aspects;
  • 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;
  • Assessment of balance sheet strength, alongside cash flow and profitability vulnerability, via ratio analysis and/or stress testing including a current / performance forecast expectation;
  • Discussion of other pertinent risk aspects associated with a particular proposed transaction, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness;
  • Completion of Group Mandate/BCA Part 1, Part 2, financial spreads, scorecards, and other relevant BCA package attachments (including country specific regulatory checklist);
  • Documentation support on credit aspects and working with CRC/LDU on BCA reworks;
  • Testing and Monitoring CaRT;
  • EAR & ASTAR reporting/updates to credit;
  • Seek applicable pre-approval endorsements;
  • 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 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;
  • Ensure engagement with senior stake holders - country / regional business head (at least monthly) and country Credit teams (SCOs, at least quarterly) to align priorities and proactively address any issues;
  • Cultivate, collaborate and maintain close relationships with respective internal partners.

People & Talent
  • Provide credit specific coaching to newer or less experienced members of the team
  • Provide strong leadership to CA team ensuring independent, quality and timely credit analysis
  • Manage team capacity catering to cyclical workloads - ensure timeliness by proactively planning capacity catering to cyclical demands and peak periods
  • Develop training plans for team including induction pack for new joiners
  • Support Business in the on ad hoc projects and strategic initiatives
  • Continually strive to share key relevant knowledge and learning's (lessons learnt from recent transactions / credit events) with other CA Heads
  • Publish metrics to demonstrate quality and timeliness on credit work

Risk Management
  • Embed the Group's values and code of conduct and develop a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees
  • Ensure that Risk Management matters that are brought to the job holder's attention are subject to direct remedial action and/or ensure adequate escalation to Group/governance committees, as appropriate

Portfolio Oversight
  • Work with Global Account Manager and Field Account Manager teams to improve the management of limits and exposures across geographies; conduct comparative analysis of risk vs. return using portfolio data and provide recommendations for optimizing portfolios and use of capital;
  • Manage the credit change process globally across teams when credit policy changes are enacted, analyze gaps and propose solutions that optimize execution;
  • Coordinate regional / global efforts to ensure compliance with BCA/GM renewal policies, CaRT and other credit administration processes;
  • Ensure zero BCA/credit review over dues and work to minimize extensions;
  • Conduct periodic portfolio reviews of assigned segment/industry to assess creditworthiness and initiate ad hoc reviews for clients subject to adverse news or vulnerable to specific economic, market or regulatory events;
  • Coordinate and conduct Stress Tests and portfolio review exercises for periodic check on the health of the portfolio;
  • Preparation of other analysis, such as Industry specific reviews, portfolio reviews, etc.

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.
  • Lead the Financial Institutions Credit Analyst team to achieve the outcomes set out in the Bank's Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.]
  • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
  • Adhere to local regulator [PRA/FCA] prescribed responsibilities and Rationale for allocation.

Qualifications & Skills:
  • At least a Bachelor Degree in Banking or Finance will be preferred.
  • Ideally more than 15 years experience in banking (specialising in Credit) or other relevant environment.

A diverse culture
We are committed to releasing your full potential, allowing you to continue to make a positive contribution. This role could be the next step in your career journey. Apply Now.