Job Summary
- Proactive management of the credit risk (monitoring and analysis) of a complex portfolio of GCM accounts
- The PAM team portfolio covers the following products: Project Finance, Shipping Finance, Leverage and Acquisition Financing, Commercial Real Estate Financing, Financing Solutions, and Fund Finance
Account Specific - Credit Risk Management
- Proactive, comprehensive and timely credit analysis through BCA renewals and quarterly performance reporting
- Backward- and forward- looking financial analysis
- Project cash flow forecasting, financial modelling
- Risk/mitigation analysis – Sponsor risk, offtaker / market risk, industry risk, supplier risk, technology risk, and other project risks
- Monitor the Credit Grades and recommend timely downgrades and upgrades as necessary
- Take the lead on waivers / consents / amendments / extensions, prepare credit papers and liaise with internal stakeholders (E.g. CREF, Credit, GCIG, Legal etc) for timely approval decisions to the client.
- Proactive monitoring of financial / non-fin covenants, and conduct impact analysis
- ESRM, CRA, Rep Risk, and Fraud Risk requirements
- Monitor LGD benefits remains in line with the benefits expected during deal origination
- Take the lead in Early Alert identification, monitoring, updating, and discussions
- Ability to work closely with SAG and the respective GCM product to ensure that stage 3 ECLs are reasonable and arrived logically with realistic assumptions
- Attend site visits as required, prepare call reports and provide updates to key internal stakeholders on material observations.
- Quarterly portfolio reporting
- Timely response to portfolio related queries, stress tests, and other ad hoc reporting
- Ensure that credit files are complete and maintained to an auditable standard
- Active participation in projects / efficiency initiatives which will impact upon the GCM Portfolio
Key Responsibilities
Governance
- Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
- Responsible for delivering ‘effective governance’; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.
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.
- Achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Financial Crime Compliance; The Right Environment.
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key stakeholders
- Credit Risk, GCM Business Partners, Loan Syndications, Credit Insurance, Audit
Skills And Experience
- Ability to undertake credit analysis and evaluation and understanding of risks associated with Global Credit Market deals
- Financial analysis of a complex customer base using credit skills; ratio analysis; balance sheet and cashflow analysis;
- Oral and written communication skills
- Able to analyse excel-based financial models;
- Risk Management and Internal Controls
- Manage Conduct
- Compliance - Governance, Oversight and Control
- Business - Strategy and Model
- Business - Market Knowledge
Qualifications
- Academic or Professional Education/Qualifications
- Licenses and Certifications/accreditations
- Professional Memberships
- Core Credit Curriculum Certified (internal SCB course)
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.
Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.
Together We
- Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
- Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
- Are better together, we can be ourselves, be inclusive, see more good in others, and