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<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">The role holder will be responsible for proactively managing the credit risk & risk/return benefit and act as an portfolio manager of a complex portfolio of Global Banking (GB) accounts in close co-ordination with the originating deal team. The products comprise of Leveraged & Acquisition Finance (LBO, structured finance, dividend recapitalisation, hold-co financing, promoter financing), Commercial Real Estate Financing, Project & Structured Export Finance, Transportation Finance (aviation+shipping) and Term loans (including Capex & general purpose). The role requires close interaction with several stakeholders ie Credit/Risk, client, Agency, other lenders, Relationship Managers, Loan Syndications & GB product partners. The candidate will also selectively work with product partners in writing new deal Credit Application Memos.</span></p> <p> </p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Credit Risk: Prepare credit application memos and discuss & get it approved from Credit, quarterly borrower </span><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">performance review and updates, covenant monitoring, site visits, highlight early alert & horizon risks, amongst others. </span></p> <p> </p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Risk/Return: Ensuring Bank’s RoRWA & RoTE are managed above the given threshold by managing the client, deal & portfolio level RoRWA, recommending assets which can be sold/churned or de-risked (through insurance, FRP), along with Loan Syndications engaging with stakeholders/other investors/lenders for marketing these assets. By analysing the upcoming potential risks, assets can be sold/de-risked to mitigate ECL & RWA spikes. </span></p> <p> </p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Supporting new origination: Attending the new deal pipeline calls, reviewing, analysing & supporting all new deals hold positions that bank underwrites by understanding the risks, deal & group level risk/return. Work with product partners in writing new deal Credit Application Memos. </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><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Strategy</span></strong><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ensure forward looking credit analysis and make recommendations to actively sell down or promote credit enhancement for risky assets in the book. </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Perform risk/return analysis and optimise profits of portfolios wherever applicable. Recommendations to be based on forward looking risks (driven by CG downgrades and hence incremental Credit losses, stress tests, etc.).</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Support on packaging deals with the distribution / securitisation teams for Funded/Unfunded Risk Participations or synthetic sell downs (e.g., CLOs).</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Work closely with Coverage, SAG and respective Banking product teams to ensure that stage 3 ECLs are reasonable and arrived logically with realistic assumptions.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Actively support in managing the Banking loan portfolio returns by minimising ECLs (overall ECL to be within the Budget set for Financing Risk).</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Monitor LGD benefits and ensure them to remain in line with the benefits expected during deal origination.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Support Banking’s sustainable initiatives including managing manual inputs on CRR5201a.</span></p> <p><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Business</span></strong><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Proactive, comprehensive and timely credit analysis through BCA renewals, quarterly performance reporting, waiver and amendment requests and documentation of credit events.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Evaluation and understanding of risks associated with Financing Solutions/Leverage and Acquisition Finance/Commercial Real Estate/Project and Export Finance/Structured Finance assets, structural, contractual and external risks.</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">• Evaluation of security, including but not limited to parental support.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Evaluation of project company management and strategies.</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"></H2> </div><div><p><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Processes</span></strong><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Monitoring, review and reporting (where required) of covenanted items.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Regular portfolio reporting.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Portfolio risk/return analysis and profit optimisation.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Timely response to portfolio related queries to other areas in the bank.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Accurate and timely responses to ad-hoc reporting requests.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ensure that credit files are complete and maintained to an auditable standard.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Timeliness and quality of credit analysis.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Protection of the credit risk profile of the portfolios when making recommendations to Credit.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Timeliness and accuracy in reporting.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Active participation in projects which will impact upon the Banking portfolio.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Compliance with bank policies and procedures.</span></p> <p><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Risk Management</span></strong><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Related to above.</span></p> <p><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Governance</span></strong><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• 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.</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"></H2> </div><div><p><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Regulatory & Business Conduct</span></strong><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></p> <p><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Key stakeholders</span></strong><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Credit Risk, Banking Business Partners, Loan Syndications, Audit</span></p> <p><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Other Responsibilities</span></strong><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Embed Here for good and Group’s brand and values in PAM Team globally; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions responsibilities associated with the management of the PAM Team are all laid out in this document.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Understand, acknowledge and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the bank.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Cooperate with any investigations or reviews on regulatory failure such as accountability review.</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">• Financial Analysis</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Communication Skills</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Risk Management</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Capital Markets</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Documentation</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• ESG</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="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Education: Bachelor’s Degree</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Training: Various SCB Internal E-Learnings</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Languages: English, Mandarin, Cantonese</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