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">Credit & Client Risk Management (“CCR”) is an integral part of the CCIB. The CCR mandate is to deliver best in class credit analysis, monitoring and credit administration work to Stakeholder. The role is responsible for conducting a thorough and comprehensive credit assessment of counterparty’s credit profile, proposing internal corporate rating, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department. </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">Conducting a thorough and comprehensive credit assessment of counterparty’s credit profile, proposing internal corporate rating, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department. Also involves continuous monitoring of credit profile and OR.</span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>Strategy</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">In line with CCIB and Group Strategy.</span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>Business</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Support the CCIB Client Coverage team for Credit Analysis and other Client Risk activities. </span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>Processes</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Responsible for evaluating the financial performance of corporate clients by understanding and spreading financial statements in standard templates, analysing economic conditions and industry trends, comparing counterparty performance relative to peers, client strategy and management assessment, incisive financial statement analysis using financial ratios, templates and models, complete covenant compliance, financial projection, peer analysis, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and providing a near term outlook and credit recommendation.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Responsible for the accuracy of internal risk ratings and inputting financial and economic data in rating system.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Working closely with onshore Analysts and credit officers in respective regions to evaluate risk and to monitor a client portfolio.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Responsible to research, write and present financial and industry analysis impacting credit decisions and submit the documents for approval.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Analysing and spreading the financial statements on credit lens.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Participate in process improvement initiative of the team.</span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>People & Talent</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Lead through example and build the appropriate culture and values in respective team. </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Set appropriate tone and expectations from their team and work in collaboration with stakeholder.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ability to apply sound judgement with critical thinking skills</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ability to independently drive initiatives with minimum hands-on supervision and collaborate with other resources in the team to deliver for the task</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"><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></p> <p><span style="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">In country Credit Analysis team </span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>Other Responsibilities</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>Functional </strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Good conceptual knowledge on accounting fundamentals.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Good knowledge on financial and banking products.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Good understanding of rating methodologies</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Bloomberg and Reuters functional knowledge.</span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>Behavioural </strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Result Orientation </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Client Focus</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Contribution to Strategy</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• People Development</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Change leadership</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Cooperation</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Team Leadership</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">• Master’s degree in business/finance/accounting and/or professional certifications such as:</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• CA/CFA/CPA or equivalent </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• International CFA or equivalent </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• MBA (Finance) from reputed (Tier 1 or Tier 2 institutes)</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Relevant experience in credit analysis role in the CCIB or Global Banking Sector (minimum of 3 years in Credit Analyst role)</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Education certifications or qualifications are not mandatory if proven track record and sound knowledge gained by considerable experience in similar roles in other Banks or financial institutions or credit rating organisations </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Knowledge of banking products, associated risks and relevant processes gained either in banking, treasury or accounting roles in in the financial sector </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ability to hold dialogues with clients and external stakeholders as well as internally across all levels. </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ability to deal with competing demands and multiple priorities within strict timelines.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Proven ability to operate across cultures and within a diverse workforce</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ability to working in dynamic environment with a robust transformation agenda </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Excellent oral & written communication and presentation 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>Skills and Experience</b></H2> </div><div><p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Risk & Credit Underwriting </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Analytical Skill, including an understanding of key financial components with the ability to identify root causes and trends.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Knowledge of financial statements and GAAP accounting or similar governance relating to country of operation </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Industry research capabilities including risk and key drivers </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Written and Verbal communication skill with the ability to communicate clearly and concisely to audiences</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Proficient Microsoft Office (Word, Excel and PowerPoint) skill </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>

Credit Analyst, CPA (Bangalore, IN)