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">Responsible for proactively managing the credit risk & risk/return benefit and act as an investment / asset manager of a portfolio of Global Credit Markets (GCM) 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 i.e. Credit/Risk, client, Agency, other lenders, Relationship Managers, Loan Syndications & GCM product partners. </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Credit Risk: Prepare renewal credit application memos and discuss & get it approved from Credit, quarterly borrower performance review and updates, covenant monitoring, site visits, engagement with Board/Committee for DCCO extension, highlight early alert & horizon risks, amongst others. </span><br><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. Manage ECL.</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">The role holder will be responsible for proactively managing the credit risk (monitoring and analysis) of a complex portfolio of Global Credit Markets (GCM) accounts in close co-ordination with the originating deal team</span><br><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">• 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">• Ensure forward looking Credit analysis and make recommendations to actively sell down/Credit insure riskier assets in the book. </span><br><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">• Analyse Risk/Return analysis and optimise profits (own portfolio as well as Directs (as 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 packaging deals with the distribution / securitisation teams for Funded/Unfunded Risk Participations or synthetic sell downs (eg. CLOs)</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Work closely with GSAM and the respective GCM product 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">• Support in managing the GCM 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 remains in line with the benefits expected during deal origination</span><br><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">• Annual review of the facilities (CAM memo) comprising of business risk, client risk, industry analysis, management analysis, financial analysis, peer comparison, industry benchmark, etc.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Minimum Quarterly check-in on the business / client performance</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Stress testing, recognition of early warning signals on the asset/loan, industry, client/sponsor Group, etc</span><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">• Quarterly 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></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">• 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><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">People & Talent</span></strong><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Credit analysis skills;</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Financial analysis 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">• Sensitive to short time frames and be able to quickly assess and turnaround applications to credit;</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Excellent oral and written communication skills; and </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Demonstrate initiative and work with little supervision.</span><br><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">• Evaluation and understanding of risks associated with Financing Solutions/Leverage and Acquisition Finance/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 parental support; </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Evaluation of project company management and strategy</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Compliance with Bank policy and procedures</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Support GCM’s sustainable initiative including managing manual inputs on CRR5201a</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Protection of the credit risk profile of the portfolio when making recommendations to credit; and</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 GCM Portfolio</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Monthly Portfolio review</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Support the RH/GH PAM with the MIS and other reporting on timeline basis.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Improve efficiency via focus on various initiatives including automation;</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ownership of data quality & accuracy of various inputs that impact management MIS for the team</span><br></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><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><br><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Regulatory and 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">• Lead / Participate the PAM team to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Financial Crime Compliance; The Right Environment.</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><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, GCM Business Partners, Loan Syndications, Audit</span><br><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.</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></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></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">• Credit analyst experience</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Risk Mitigation, Financial Analysis, Financial Modelling</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Written and oral communication skills</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-Portfolio Analytics & Monitoring (Mumbai, IN)