Associate Director, Credit Analyst - UAE Nationals preferred

  • Negotiable
  • Dubai, United Arab Emirates
  • Permanent, Full time
  • Standard Chartered Bank
  • 14 Oct 18

To provide insightful, relevant, succinct and timely (see below) credit analysis of a portfolio of SCB's clients (current or prospective). This includes responsibility for proposing counterparty credit grades via the relevant scorecard, and ongoing monitoring for credit-material events. While the portfolio will be industry / geography specific in focus, the role extends to analysing other clients as may from time to time be required

Key Responsibilities

Timely drafting of credit analysis as directed by the relevant Team Leader. 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, including key risk aspects;
  • Assessment of the Client's competitive positioning within its industry;
  • 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;
  • Development of a current / forward year base forecast performance expectation;
  • Assessment of balance sheet strength, alongside cashflow and profitability vulnerability, via ratio analysis and/or stress testing;
  • Discussion of other pertinent risk aspects, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness;
  • Evaluation of risks associated with particular proposed transactions, where required;
  • Completion of Group Mandate/BCA Part 1, Part 2, financial analysis/spreads, scorecards;
  • Ensure use of appropriate calculator in alignment with Credit Policy for relevant approvals (e.g. Raptor, Group Aggregation Calculator);
  • Complete ESRA (;
  • For Cat 2 lines, complete Financial Markets Appropriateness and ;
  • For Cat 2 lines, Credit Term Sheet updates based on RM/Risk/MDU feedback;
  • Supporting business on structuring deals;
  • Documentation support on credit aspects and working with CRC/LDU on BCA reworks;
  • Testing and Monitoring Covenants & Risk Triggers;
  • EAR & ASTAR reporting/updates to credit;
  • Seek pre-approval endorsements(where applicable);
  • Preparing country specific regulatory check-lists (where applicable);
  • Credit stress testing
  • CCC Certification

Preparation of other analysis as directed by the relevant Team Leader, such as Industry specific reviews, portfolio reviews, assessments of new prospects etc.