Associate Director , Credit Analyst – Standard Chartered – Dubai

Work : Institutional Banking


Major Location
: Africa & Center East-United Arab Emirates-Dubai


Plan
: Full-period


Employee Position
: Everlasting


Posting Day
: 19/Apr/2022, 7:06:17 AM


Unposting Time
: 26/Apr/2022, 5:59:00 PM


About Standard Chartered

We are a respected international bank centered on helping companies and folks prosper across Asia, Africa and the center East.

To us, good performance is a lot more than switching a profit about. It’s about showing the way you embody our valued behaviours – do the proper thing, better rather than settle – and also our brand promise collectively, For good here.

We’re focused on promoting equality at work and generating an inclusive and versatile lifestyle – one where everyone can realise their complete potential and create a positive contribution to your organisation. Therefore helps us to supply better support to your broad clientele.

The Function Responsibilities

Technique

provide insightful

To, appropriate, succinct and timely credit score evaluation of a portfolio of SCB’s clients (present or potential).

This consists of obligation for proposing counterparty credit score grades via the related scorecard, and continuous monitoring for credit-material occasions. While the portfolio will be industry / geography particular in focus, the role reaches analysing other customers as may every once in awhile be required

  • Insightful: Attuned to the requirements of two audiences – Customer Coverage and Danger – the analysis should give a forward-looking, focused viewpoint on the likely growth of both company and financial risk components in their business / geographic context as well as a calibrated articulation of essential risks and possible mitigants thereto.
  • Appropriate: In addition to a holistic counterparty evaluation, analysis should touch upon structural elements highly relevant to SCB’s present or proposed exposure such as for example guarantee and security plans
  • Succinct: While always providing enough granularity to substantiate its conclusions and observations, the evaluation should present viewpoint in as succinct and organized a manner as is sensible
  • Timely: While centered on the prescribed yearly review cycle, evaluation shall also be needed where material new publicity has been considered by Client Insurance. In addition, more overview analysis should rapidly be created and disseminated, where relevant

In addition, for just about any BCA submission it’ll involve the next:

  • Critical overview of Social and Environment Danger Assessments, Appropriateness and Suitability Assessments (FM Items);
  • Regularity and coherence overview of the Approved Accounts Plan, Raptor (or comparative), Client & Group Service Summary & Construction (including Conditions and terms)
  • Energetic partnership with Client Protection in completion of Danger Profile, Compliance Details, along with proposed Danger and Covenants Triggers

General accountability for regularity and coherence of the entire BCA bundle submitted to Danger will rest with Credit score Analysis and is really a important element of the technique.

Company

To companion the team’s two important stakeholder communities, Client Risk and Coverage, supporting the former within executing and establishing their client strategies plus both according of credit analysis-relevant issues.

Procedures

Timely drafting of credit evaluation as directed by the appropriate Team Leader. Such evaluation should be Insightful, Succinct and related you need to include the following, inter alia:

  • Discussion of the type and dynamics of the Customer’s industry, including key risk elements;
  • Evaluation of the Client’s aggressive positioning within its market;
  • Conversation of management strength, monitor and experience report and corporate governance a lot more broadly;
  • Articulation of the Client’s technique and an evaluation of its clearness and associated execution dangers;
  • Evaluation of funding strategy, monetary policy, treasury action (hedging, cash administration) and liquidity;
  • forward year bottom forecast performance expectation

  • Advancement of an ongoing /;
  • Evaluation of balance sheet power, alongside cashflow and profitability vulnerability, via ratio evaluation and/or tension testing;
  • Dialogue of other pertinent danger aspects, including country danger, parental and/or governmental linkage/assistance, relative position of indebtedness, Fraud danger;
  • Assessment of risks connected with particular proposed dealings, where required;
  • Completion of Group Mandate/BCA Component 1, Part 2, economic evaluation/spreads, scorecards;
  • Ensure usage of suitable calculator in alignment with Credit score Policy for appropriate approvals (electronic.g. Raptor, Team Aggregation Calculator);
  • Full ESRA (Environment and Public Risk Evaluation) Checklist;
  • For Cat 2 lines, full Financial Marketplaces Appropriateness
  • For Cat 2 lines, Credit Expression Sheet updates predicated on RM/Risk feedback;
  • Supporting company on structuring deals;
  • Documentation support on credit score aspects and dealing with IMO on BCA reworks;
  • Tests and Monitoring Covenants & Danger Triggers;
  • Ear canal & ASTAR reporting/improvements to credit;
  • Look for pre-approval endorsements(where relevant);
  • Preparing nation specific regulatory check-lists (where applicable);
  • Credit tension testing
  • CCC Qualification

Preparing of other evaluation as directed by the related Team Head, such as for example Industry specific evaluations, portfolio testimonials, assessments of new leads etc.

skill and

People

  • Support CA Group Leaders among others in the united group on random projects, strategic initiatives and workouts targeted at improving or improving the team’s routines
  • Continually make an effort to share key appropriate information and learnings with others over the team
  • Provide credit score specific training to newer or much less experienced people of the group

Risk Administration

According of Clients where in fact the role-holder is designated as analyst:

  • Proactive tabs on key entity or sector wide activities and/or developments, in addition to of danger and covenants triggers where relevant
  • Partnering Relationship Supervisors in pursuing their customer strategies through proactive concept generation, assistance in preparing components for client dialogue and through ensuring they’re always completely briefed on key danger aspects
  • Partnering Risk through very clear presentation of credit evaluation and proposed credit score grading, and also through proactive and regarded debate of key risk factors
  • Accompanying Connection Managers on client appointments, within general due diligence according of credit evaluation
  • Performing as a broader stage of expertise according of credit elements with others and Item across SCB

Governance

Sustaining integrity in analysis at fine times is critical. This consists of frequent and iterative conversation with both Client Danger and Coverage about draft analysis, key sector / geographic tendencies, along with discussion of covenants, danger triggers and so on. It involves proactive concept discussion and era with Customer Coverage around potential work at home opportunities for SCB, assisting both Client Danger and Coverage around deal structuring and execution, where relevant, and alerting and identifying stakeholders of emerging risk factors on a continuing basis.

Regulatory & Business Conduct

  • Display exemplary carry out and live by the Team’s Code and Ideals of Conduct.
  • Take personal obligation for embedding the best standards of ethics, which includes regulatory and company conduct, across Regular Chartered Bank. This consists of understanding and making sure compliance with, in spirit and letter, all applicable laws, rules, recommendations and the combined team Code of Conduct.
  • and collaboratively determine

  • Effectively, escalate, mitigate and resolve danger, compliance and conduct matters.

Crucial Stakeholders

Internal Relationships:

  • GAMs, RAMs, FAMs
  • Risk
  • Product companions
  • CDD, where relevant
  • Legal, Compliance and audit, where relevant
  • Actual physical Commodity Operations, where related

External Relationships:

  • Clients
  • Rating Firms
  • Market Information Services providers

QUALIFICATIONS:

Key specifications:

  • Analytical strength – to identify emerging risks, specifically looking industry trends ahead.
  • Gravitas – to engage with Relationship Clients and Managers alike, be capable of problem in a constructive way.
  • Collaborative – to work together with stakeholders to ‘obtain things done’, fulfilling the work Purpose

Experience & Abilities:

  • Relevant encounter obtained either in banking, accounting or treasury environment
  • Strong analytical ability, centered on the evaluation and calibration of credit score risk
  • Solid verbal and written conversation abilities (in English), with verified ability to function across cultures and inside a dynamic environment
  • Able to keep credible dialogue at all recognized degrees of the organisation, in addition to with clients
  • Well organized, in a position to multi-task and stability competing demands

Educational Qualifications :

  • Graduates / Graduate calibre
  • Sound understanding of accounting and financial concepts acquired by qualification
  • or knowledge
    cFA or

  • MBA qualifications advantageous, however, not required

Connect with join the Bank for all those with big profession ambitions now.

To view info on our advantages including our versatile working please go to our career web pages. We welcome conversations on versatile functioning.

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