Credit Analyst, CPA Hub (Guangzhou, CN)

<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><ul> <li><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Credit Analysis (“CA”) is an integral part of the CIB. The CA 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, financial spreading and analysis, proposing internal corporate rating, assessment of sustainability &amp; environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department, other country required specific credit activities.</span></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>Key Responsibilities</b></H2> </div><div><ul> <li style="font-size:10.0pt;font-family:arial, helvetica, sans-serif"><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Conducting a thorough and comprehensive credit assessment of counterparty’s credit profile, financial spreading and analysis, proposing internal corporate rating, assessment of sustainability &amp; 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 other country required specific credit activities.</span></li> </ul> <p> </p> <p><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif"><strong>Strategy</strong></span></p> <ul> <li style="font-size:10.0pt;font-family:arial, helvetica, sans-serif"><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">In line with CIB and Group Strategy.</span></li> </ul> <p> </p> <p><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif"><strong>Business</strong></span></p> <ul> <li style="font-size:10.0pt;font-family:arial, helvetica, sans-serif"><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Support the CIB Client Coverage team for Credit Analysis and other Credit Risk related activities.</span></li> </ul> <p> </p> <p><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif"><strong>Processes</strong></span></p> <ul> <li style="font-size:10.0pt;font-family:arial, helvetica, sans-serif"><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Being able to complete a comprehensive credit analysis of the client’s portfolio based on financials and additional information provided by the client or available on the public domain or from market research agencies.</span></li> <li style="font-size:10.0pt;font-family:arial, helvetica, sans-serif"><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Assessment of balance sheet strength, alongside cashflow and profitability vulnerability, via ratio analysis and/or stress testing.</span></li> <li style="font-size:10.0pt;font-family:arial, helvetica, sans-serif"><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Evaluation of specific credit risks associated with the products and type of lending being proposed for the client and in line with the Bank’s policy and credit appetite for products and markets.</span></li> <li style="font-size:10.0pt;font-family:arial, helvetica, sans-serif"><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Ability to validate projections and working capital requirements as submitted by the client in line with industry and market indices and other indicators prescribed within the Bank’s lending guidelines</span></li> <li style="font-size:10.0pt;font-family:arial, helvetica, sans-serif"><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Discussion of other pertinent risk aspects, including country risk, parental support and recourse, regulatory concerns, relative ranking of indebtedness, fraud risk etc.</span></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>Key Responsibilities</b></H2> </div><div><ul> <li style="font-size:10.0pt;font-family:arial, helvetica, sans-serif"><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Ensure use of appropriate calculator in alignment with Credit Policy for relevant approvals</span></li> <li style="font-size:10.0pt;font-family:arial, helvetica, sans-serif"><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Working closely with onshore Analysts and credit officers in respective regions to evaluate risk and to monitor a client portfolio</span></li> <li style="font-size:10.0pt;font-family:arial, helvetica, sans-serif"><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Completion of Group Mandate and all sections of the Bank’s Business Credit Application (BCA) pertaining to financial analysis/spreads, scorecards and templates for specific products, structured lending, program financing etc.</span></li> <li style="font-size:10.0pt;font-family:arial, helvetica, sans-serif"><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Participate in process improvement initiative of the team.</span></li> </ul> <p><span style="font-size:10.0pt"><strong>People &amp; Talent</strong></span></p> <ul> <li style="font-size:10.0pt"><span style="font-size:10.0pt">Provide credit specific coaching to newer or less experienced members of the team.</span></li> <li style="font-size:10.0pt"><span style="font-size:10.0pt">Manage team capacity catering to cyclical workloads - ensure timeliness by proactively planning capacity catering to cyclical demands and peak periods.</span></li> <li style="font-size:10.0pt"><span style="font-size:10.0pt">Develop training plans for team including induction pack for new joiners.</span></li> <li style="font-size:10.0pt"><span style="font-size:10.0pt">Support Business in the ad hoc projects and strategic initiatives</span></li> <li style="font-size:10.0pt"><span style="font-size:10.0pt">Monitor metrics and demonstrate quality and timeliness on credit work.</span></li> <li style="font-size:10.0pt"><span style="font-size:10.0pt">Lead through example and build the appropriate culture and values in respective team.</span></li> <li style="font-size:10.0pt"><span style="font-size:10.0pt">Set appropriate tone and expectations from their team and work in collaboration with stakeholder.</span></li> <li style="font-size:10.0pt"><span style="font-size:10.0pt">Ability to apply sound judgement with critical thinking skills.</span></li> <li style="font-size:10.0pt"><span style="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></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>Key Responsibilities</b></H2> </div><div><p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>Regulatory &amp; Business Conduct</strong></span></p> <ul> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><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></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><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></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><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></li> </ul> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong> </strong></span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>Key stakeholders</strong></span></p> <ul> <li><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">In country Credit Analysis team</span></li> </ul> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong> </strong></span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>Other Responsibilities</strong></span></p> <ul> <li><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Embed Here for good and Group’s brand and values in Credit Analysts, CIB China; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats).</span></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>Key Responsibilities</b></H2> </div><div><p> </p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>Functional </strong></span></p> <ul> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Advanced conceptual knowledge on accounting fundamentals.</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Good knowledge on financial and banking products.</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Good understanding of rating methodologies</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Bloomberg and Reuters functional knowledge.</span></li> </ul> <p> </p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>Behavioural </strong></span></p> <ul> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Result Orientation</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Client Focus</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Contribution to Strategy</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">People Development</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Change leadership</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Cooperation</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Team Leadership</span></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>Skills and Experience</b></H2> </div><div><ul> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Risk &amp; Credit Underwriting  </span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><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></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><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></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Industry research capabilities including risk and key drivers </span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><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></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Proficient Microsoft Office (Word, Excel and PowerPoint) skill</span></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>Qualifications</b></H2> </div><div><ul> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Bachelor’s/Master’s Degree in Business/Finance/Accounting and/or professional certifications such as:</span></li> </ul> <ul> <li style="list-style-type:none;font-family:arial, helvetica, sans-serif;font-size:10.0pt"> <ul> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">CA/CFA/CPA or equivalent</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">International CFA or equivalent</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">MBA (Finance) from reputed (Tier 1 or Tier 2 institutes)</span></li> </ul> </li> </ul> <ul> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Pass Corporate CCC / FICC course and test</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Relevant experience in credit analysis and credit support roles preferred in the CCIB or Global Banking Sector</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><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></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><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></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><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></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><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></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Proven ability to operate across cultures and within a diverse workforce.</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Ability to working in dynamic environment with a robust transformation agenda. </span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Strong analytical skills with proven ability to collect and analyse data, establish facts, make recommendations in written and oral form, focused on the assessment and calibration of credit risk.</span></li> <li style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Excellent oral &amp; written communication and presentation skills</span></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>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>