Credit Analyst - Commodities Traders and Agriculture
About Standard Chartered
We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.
To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good.
We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base.
The Role Responsibilities
Credit Analysis - To provide insightful, relevant, succinct and timely credit analysis of a portfolio of SCB's clients, current or prospective.
Act as primary credit analyst for assigned accounts and support fellow analysts for accounts in the Commodities Traders & Agriculture segment. Monitor the credit quality and migration of assigned accounts in the portfolio. Anticipate credit issues.
Prepare, front-to-end, credit applications for assigned accounts by performing independent, forward looking credit analysis. Coordinate with Global Relationship Managers and work closely with Risk Approvers to ensure efficient turnaround on credit requests, annual reviews, etc.
Plan and conduct the overall credit process for assigned primary accounts with respect to assessments of risks. Proactively monitor credit events and macro developments.
Prepare financial analysis of customers using credit skills - ratio analysis; evaluation of security and collateral; evaluation of parent support policies; judgment of management and strategy.
Attend bank meetings and participate in client calls to conduct credit due diligence on new / existing clients and transactions. Take personal responsibility for complex transactions or complex relationships with assigned names.
Work on amendments / waiver requests.
Evaluate and understand risks associated with individual transactions, products, borrowers and counterparties.
Conduct annual credit review of assigned accounts and ensure that respective global / local credit applications are processed and successfully approved on schedule.
Ensure compliance with all internal and regulatory credit/other portfolio related policies. Check for any gaps in credit documentation and escalate to the relationship management team.
Monitor risk triggers, covenants, and other credit conditions for compliance. In the events of breaches, prepare reports, escalate, and take actions to risk management, as per the Bank's policy/procedure.
Support team efforts in preparing and responding to internal/external audits and regulatory exams.
As part of the annual credit review, identify client limits that are not utilized or underutilized and escalate to management to initiate discussions with the respective relationship management team.
Participate in account planning sessions to ensure familiarity with customer business and contribute credit/risk opinions about client and industry.
Stakeholder Partnership - To partner the team's two key stakeholder communities, Client Coverage and Risk, supporting the former in developing and executing their client strategies and both in respect of credit analysis-relevant matters. Maintaining integrity in analysis at all times is critical.
- Conduct frequent and iterative discussion with both Client Coverage and Risk around draft analysis, key sector / geographic trends, as well as discussion of covenants, risk triggers and the like. It involves proactive idea generation and discussion with Client Coverage around potential business opportunities for SCB, assisting both Client Coverage and Risk around transaction structuring and execution, where relevant, and identifying and alerting stakeholders of emerging risk aspects on a continuous basis.
- Proactively monitor key entity or industry wide events and / or developments, as well as covenants and risk triggers where applicable.
- Partner with 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.
- Partner with Risk through clear presentation of credit analysis and proposed credit grading, as well as through proactive and considered discussion of key risk aspects.
- Accompany Relationship Managers on client visits, as part of general due diligence in respect of credit analysis.
- Act as a broader point of expertise in respect of credit aspects with Product and others across SCB.
Team Development - To assist CA Team Leaders in projects focused on improving and enhancing the activities of the team, as well as the quality of credit analysis produced.
- Coach and support the development of newer and less experienced members of the team.
- Support senior CAs and others in the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the team's activities.
- Continually strive to share key relevant knowledge and learning with others across the team.
Regulatory & Business Conduct
Our Ideal Candidate
- 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 CA 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.
- Analytical strength - to spot emerging risks, in particular forward looking industry trends.
- Gravitas - to engage with Relationship Managers and Clients alike, have the ability to challenge in a constructive manner.
- Collaborative - to work in partnership with stakeholders to 'get things done', fulfilling the Job Purpose
Experience & Skills:
- Commodities experience within a bank setting is a plus.
- Strong analytical ability, focused on the assessment and calibration of credit risk.
- Strong verbal and written communication skills, with proven ability to work across cultures and within a dynamic environment.
- Able to hold credible dialogue at all levels of the organisation, as well as with clients.
- Well organized, able to multi-task and balance competing demands.
- Graduates / Graduate calibre.
- Sound knowledge of accounting and financial principles gained by experience or qualification.
- MBA or CFA qualifications advantageous, but not required.
Apply now to join the Bank for those with big career ambitions.