The Role Responsibilities
Job Role
As a successful Analyst within the International Corporates team, you will provide proactive, comprehensive and timely credit analysis to Relationship Managers and the Credit community. Your daily job would include:
Key Responsibilities
· Provide Relationship Managers with client insights in relation to an industry sector, client information and account plans
· Manage ongoing quality of portfolio, producing exception reports, review credit extending across entire portfolio to ensure consistency of approach
· Educate Relationship Managers on macroeconomic fundamentals impacting their credit portfolio
· Provide creative recommendations to Relationship Managers by monitoring peer groups & competitors and undertaking industry reviews based on non-standard industry / company information / data (equity, credit reports, press and magazine reports)
· Develop good relationship with clients to understand their banking requirements, structure deals, and get insights into their business and financials
· Work closely with client to ensure product / deal structure appropriateness
· Be engaged in deal origination and execution efforts including providing assistance to Relationship Managers for the same
· Monitor portfolio revenues and returns and ensuring the accuracy of MIS
· Liaise and manage various product partners, across Parent and client subsidiary locations on account management and origination
· Evaluate learning around exception cases and seek to share this with other Analysts to help properly capture risk profiles and ensure robust credit analysis
· Assist, train and mentor Junior Credit Analysts, Interns and International Graduates
· Assist Head CA / Relationship Managers / other team members on ad-hoc projects / deals etc. as and when required.
Strategy
· Assisting the relationship managers to run the account strategies of International Corporates Singapore portfolio of clients effectively.
Business
· Assisting the International Corporates Singapore relationship managers in driving client revenues and meeting revenue return targets for the Business by ensuring effective collaboration across the various internal and external stakeholders on a Business-As-Usual basis.
Processes
· Plays a key role in managing the end-to-end credit application process for International Corporates Singapore for existing clients as well as new-to-bank clients.
People and Talent
· To contribute to the upskilling agenda of the wider CCIBCC Singapore credit analyst team by training and providing mentorship to the junior credit analysts across CCIBCC Singapore, interns and International Graduates.
Risk Management
· Responsible for identifying, assessing, monitoring, controlling and mitigating potential credit / business risks to the International Corporates Singapore franchise while driving revenues in collaboration with the relationship managers and various product partners.
Governance
· Awareness and understanding of the regulatory and credit process / policies framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
Regulatory and Business Conduct
· Display exemplary conduct and live by the Group’s Values and Code of Conduct.
· 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.
· Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key Stakeholders
· Business heads and relationship managers
· Client management team
· Credit risk team
· Product partners and relevant product risk teams
· Credit Portfolio Management Team
Other Responsibilities
· Embed Here for good and Group’s brand and values in [International Corporates Singapore]
Our Ideal Candidate
· Degree in Accounting or Finance and banking.
· 4+ years of experience in Banking Industry or as a credit analyst.
· Excellent analytical skills, with proven ability to interpret, analyse and present information.
· Strong stakeholder management skills to manage multiple stakeholders across Industry, Product and Risk.
· Deal experience and understanding of Product capabilities of the Bank to help identify business opportunities and associated risks.
· Strong Credit and business strategy skills, with experience in managing large global clients or product teams.
· Self-confident person with a high level of drive, dedication, pride and exceptional attention to detail and a team player.
· Strong understanding of regulatory and compliance obligations.
· Proficiency in Chinese language would be advantageous as the scope of the role will be to work on clients from predominantly in the North Asia based market (predominantly Chinese).
Role Specific Technical Competencies
· Credit Risk Management
· Credit Analysis / Quantitative Analysis / Financial Modelling
· Solution / Deal Structuring
· Corporate Banking Product Knowledge in particular Trade Financing Products
· Industry / Business knowledge
· Account Strategy and Planning
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 160 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.
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. Together we:
· Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
· Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
· Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
· Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations
· Time-off including annual, parental / maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum
· Flexible working options based around home and office locations, with flexible working patterns
· Proactive wellbeing support 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
· A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning
· Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.
Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.
Visit our careers website www.sc.com/careers
