Wait, What Do You Do?

<div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Job Summary</b></H2> </div><div><p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>Credit Analysis & Portfolio monitoring</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">This position is responsible to provide support the Credit Analyst team in the U.S. with credit initiation of new clients as well as periodic credit risk assessment of existing clients in the Credit and Portfolio Analytics team in the US. This would include assisting U.S. credit portfolio analysts with timely drafting of credit analysis through Business Credit Applications (BCAs) and Group Mandates as directed by the Credit portfolio analyst team in the U.S., led by the team lead Credit portfolio analysts, Americas. Credit Portfolio Analysts in Brazil are required to propose all deliverables to the U.S. Credit Portfolio Analysts who then lead the approval process with GAM and Risk. BCA analysis should be independent and in line with bank approved credit policies and processes and include the following:</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Discuss overall exposure on the Client/Group, rationale for limits (including lending, trade, corporate finance and FX products), assess overall economic loss and determine business and risk approving authorities.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Assess the dynamics and nature of the Client’s/Group's business and industry, including key risk aspects.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Conduct peer analysis and assess the Client’s/Group's competitive positioning within its industry.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Assess management strength, experience and track record and corporate governance.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Articulate the Client’s/Group's strategy and an assessment of its clarity and associated execution risks.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Assess funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Prepare financial spreads and Internal scorecard to assign internal rating grade to the Client.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Assess balance sheet strength, alongside cash flow and profitability vulnerability, via trend and ratio analysis.</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Key Responsibilities</b></H2> </div><div><p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Assess other pertinent risk aspects and mitigating factors, including country risk, parental and/or governmental linkage/support, holding company risk, collateral evaluation, covenant structure and cushion analysis, relative ranking of indebtedness, structural and / or contractual subordination aspects etc.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Conduct leveraged lending assessment in line with U.S. regulatory requirement and support with base and stress case projections to assess repayment capacity over 7 years as well as Enterprise Valuation Analysis (EVA) for high-risk clients.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Support completion of mandatory checklists including Climate Risk Assessment, Environment & Social Risk Assessment and Reputational Risk assessment.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Complete Fraud Risk Assessment for all clients including assessment of red flags in the fraud risk report and trade counterparty assessment.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• For FX limits, complete limit review and substantiation exercise in line with Financial Markets Appropriateness and Credit Term Sheet updates based on RM/Risk feedback.</span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">The position is also responsible for the following portfolio credit monitoring activities:</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Completion of annual credit reviews of assigned accounts and re-assess key risks and re-evaluate internal credit grade. Ensure zero annual credit review overdues and minimize review extensions.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Identify client limits with low / nil utilization and escalate to the respective Relationship Manager for input / additional discussions with product partners and / or clients.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Prepare interim BCAs to increase / decrease limits, propose amendments/waivers, refresh financial analysis, update Credit Grade (when required), etc.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Support coverage team in structuring deals and present credit proposals in senior business and risk approval committees.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Monitor Covenants & Risk Triggers (C&RTs). Raise any breaches under (C&RTs) to Relationship Manager, and Credit.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Monitor and assess rating agencies actions including downgrades or outlook changes.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Perform credit stress testing on assigned names, when required.</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"></H2> </div><div><p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ensure compliance with all internal and regulatory credit / other portfolio related policies in conjunction with GAMs. Support senior Credit Analysts and GAMs in preparing and responding to internal / external audits and regulatory exams.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ensure that all relevant client information, including financials, compliance reports, credit agreement, amendments, credit approvals, dispensations, endorsements, etc., is clearly named and saved in the shared drive in an organized manner.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Manage the credit change process globally across teams when credit policy changes are enacted, analyse gaps and propose solutions that optimize execution.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Participate in peer reviews across business segments and ad hoc projects to analyse policy implementation and quality gaps.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Proactively monitor key client or industry wide events or developments. Conduct periodic or ad hoc portfolio reviews of assigned client or industry subject to adverse news or vulnerable to economic, market or regulatory events.</span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Technical Knowledge: This position requires the following prerequisites</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Credit Core Curriculum certification and expert working knowledge of Creditmate system.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Understanding and Operational experience and knowledge of Standard Chartered Credit policies and Processes including Credit Application Process, General Lending Standard, Credit Grading Standard, Large Exposure Standard, Covenant and Risk triggers monitoring Standard, Country Portfolio Underwriting Standard, Risk Mitigation Standard, Early Alert Standard, Stressed Asset Group (Credit Grade 12 ,13 and 14) Standard, Leveraged Lending policy etc.</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"></H2> </div><div><p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Stakeholder Partnership: This position is responsible 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.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Partner with GAM/RMs 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.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• 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.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Accompany GAM/RMs on client visits, as part of general due diligence in respect of credit analysis.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Act as a broader point of expertise in respect of credit aspects with Product and others across SCB.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ensure engagement with senior stake holders – Segment Business Head and Credit team to align priorities and proactively address any issues.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Cultivate, collaborate and maintain close relationships with respective internal partners, including respective Risk units, Legal, Compliance, Loan Documentation Unit, as well as Credit Risk Control in the course of everyday business</span></p> <p><span style="text-decoration:underline;font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>Regulatory & Business Conduct</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Display exemplary conduct and live by the Group’s Values and Code of Conduct.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• 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.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Support the US, CIB, CPA team to achieve the: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment</span></p> <p><span style="text-decoration:underline;font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>Key stakeholders</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Credit Risk, GCM Business Partners, Loan Syndications, Audit</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Skills and Experience</b></H2> </div><div><p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ability to undertake credit analysis and evaluation and understanding of risks associated with Global Credit Market deals</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Financial analysis of a complex customer base using credit skills; ratio analysis; balance sheet and cashflow analysis;</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Oral and written communication skills</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Able to analyse excel-based financial models;</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Risk Management and Internal Controls</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Manage Conduct</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Compliance - Governance, Oversight and Control</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Business - Strategy and Model</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Business - Market Knowledge</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ability to undertake credit analysis and evaluation and understanding of risks associated with Global Credit Market deals</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Qualifications</b></H2> </div><div><p><span style="text-decoration:underline;font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>Key requirements</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Analytical strength – to spot emerging risks, in particular forward-looking industry trends.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Gravitas – to engage with Relationship Managers and Clients alike, have the ability to challenge in a constructive manner.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Collaborative – to work in partnership with stakeholders to ‘get things done,’ fulfilling the Job Purpose</span></p> <p><span style="text-decoration:underline;font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>Experience & Skills</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Strong analytical ability, focused on the assessment and calibration of credit risk.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Strong verbal and written communication skills, with proven ability to work across cultures and within a dynamic environment.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Able to hold credible dialogue at all levels of the organization, as well as with clients.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Well organized, able to multi-task and balance competing demands.</span></p> <p><span style="text-decoration:underline;font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>Educational Qualifications</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Graduates / Graduate caliber.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Sound knowledge of accounting and financial principles gained by experience or qualification.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• MBA or CFA qualifications advantageous, but not required.</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>About Standard Chartered</b></H2> </div><div><p>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.</p> <p>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.</p> <p>Together we:</p> <ul> <li><b>Do the right thing</b> and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do</li> <li><b>Never settle,</b> continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well</li> <li><b>Are better together,</b> we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term</li> </ul></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>What we offer</b></H2> </div><div><p><b>In line with our Fair Pay Charter,</b> we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.</p> <ul> <li><b>Core bank funding for retirement savings, medical and life insurance,</b> with flexible and voluntary benefits available in some locations.</li> <li><b>Time-off</b> including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.</li> <li><b>Flexible working</b> options based around home and office locations, with flexible working patterns.</li> <li><b>Proactive wellbeing support</b> through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits</li> <li><b>A continuous learning culture</b> to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.</li> <li><b>Being part of an inclusive and values driven organisation,</b> one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.</li> </ul></div></div></div>

Associate, Credit Portfolio Analytics (Sao Paulo, BR)