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April

Associate Director, Credit Analyst Fi

Standard Chartered Bank - Sydney, NSW

Banking & Finance
Source: uWorkin

Source: uWorkin

JOB DESCRIPTION

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

  • In-depth quality Business Credit Applications, credit research and detailed analysis of financial statements.
  • Evaluate risks based on analysis of financial data and thorough understanding of client's industry, business cycles, industry environment, environmental & social risks and other relevant factors using tools such as Odyssey, RWA calculator, Scorecard, ESRAT, EAF, etc.
  • Preparing loan applications for Global accounts and RAM / FAM relationships (BCAs, memos, etc.)
  • Evaluation and understanding of risks associated with individual transactions, products and borrowers and their activities
  • Attend customer meetings, analysts briefings and interact with appropriate people within the customer's organisation when required, to achieve a clear understanding of risks and to ensure familiarity with customer business.
  • Appropriate risk grading and risk tracking of the clients in line with Bank policy.
  • Structuring credit solutions for clients whilst ensuring the appropriateness of the products / solutions proposed.
  • Liaise with legal / external counsel / CRC / CDU / LDU on credit related items for lending products and prepare term sheets / in-principle letter of offer for lending products.

Credit Monitoring

  • Ensuring compliance with all facility terms and conditions.
  • Monitor financial reporting covenants, risk triggers and external credit ratings.
  • Monitor credit quality by highlighting early warning signs of credit deterioration.
  • Evaluation of security including evaluation of parent support policies.
  • Monitor news/ articles/ announcements, which will impact customer's credit quality.

Credit Administration

  • Monitor receipt of financial information for annual reviews and on an ongoing basis (half yearly financials, newspaper/analyst reports).
  • Ensure limit input in Transaction Processing systems as per credit approval.
  • Ensure that appropriate controls are in place, consistent with Operational Risk Guidelines.

Sales Support

  • Proactive participation in account planning sessions along with the Global Account Managers.
  • Proactively assist Global Account Managers in preparation of credit related call reports and briefing notes and undertake research.
  • In partnership with the RM, prepare the deal clearance memo / PSR, obtain the necessary pre approvals (eg: new relationship), liaise with Credit for work-shopping and assist in preparation of Capital Allocation Forum submissions.
  • Liaise with GAM / RAM / FAM on credit matters.
  • Review of FAM accounts (for GAMs) and liaising with Credit on any credit issues.
  • Build profile with client via frequent interaction and contact (e.g.: client calls, visits and events).

Compliance

  • Ensure compliance with Banks' policies and procedures to ensure that any breaches are authorised at the correct approval level.
  • Observe the bank's security requirements in respect to bank premises; fire and evacuation; disaster recovery and archiving of bank records.
  • Responsible for maintenance of credit file for credit related documents

Other

  • Proper maintenance of Credit files and ensuring Audit Ready at any time
  • Ensure document deficiencies are minimum
  • Liaise with FAM/RAM/GAM for day to day account maintenance and operational issues.
  • Ensure correctness of data in SCI/CRM/CPPR, etc. Attend portfolio review meetings along with RM/CA/Team leaders
  • Ensure compliance of all internal/regulatory policies & regulations.
  • Participate and be actively involved in relevant bank initiatives and activities.
Our Ideal Candidate
  • Minimum 3 years experience in CIB level analysis role.
  • Tertiary Qualifications.
  • Post Graduate qualifications eg, Securities/Business Administration.
Apply now to join the Bank for those with big career ambitions.

To view information on our benefits including our flexible working please visit our career pages. We welcome conversations on flexible working.


Desired Skills and Experience

The Role Responsibilities
Credit Analysis

In-depth quality Business Credit Applications, credit research and detailed analysis of financial statements.
Evaluate risks based on analysis of financial data and thorough understanding of client's industry, business cycles, industry environment, environmental & social risks and other relevant factors using tools such as Odyssey, RWA calculator, Scorecard, ESRAT, EAF, etc.
Preparing loan applications for Global accounts and RAM / FAM relationships (BCAs, memos, etc.)
Evaluation and understanding of risks associated with individual transactions, products and borrowers and their activities
Attend customer meetings, analysts briefings and interact with appropriate people within the customer's organisation when required, to achieve a clear understanding of risks and to ensure familiarity with customer business.
Appropriate risk grading and risk tracking of the clients in line with Bank policy.
Structuring credit solutions for clients whilst ensuring the appropriateness of the products / solutions proposed.
Liaise with legal / external counsel / CRC / CDU / LDU on credit related items for lending products and prepare term sheets / in-principle letter of offer for lending products