Director

We are seeking a Director to join our Credit Analysts team at Standard Chartered Bank in New York. The successful candidate will be working with the Head, Corporate Credit Analysts, Americas as well as other team members to drive origination, develop strong client relationships and be seen as an expert in Credit Analysts by internal and external stakeholders.

This position is responsible for credit initiation of new clients as well as periodic credit risk assessment of existing clients primarily in the Technology Media and Telecom portfolio in the U.

S. This would include timely drafting of credit analysis through Business Credit Applications (BCAs) as directed by the Head of Segment / Relationship Managers.

Such analysis should be independent and in line with bank approved credit policies and processes.

We appreciate self-driven candidates who will be working closely with the wider Credit Analysts team, coverage, and product partners to develop an understanding of the competitive landscape and identify prospective partners who can address customer needs and accelerate growth.

We believe that a willingness to acquire new skills will contribute to success in this role.

Key Responsibilities

• Prepare financial spreads and Internal scorecard to assign internal rating grade to the Client.
• Assess balance sheet strength, alongside cash flow and profitability vulnerability, via trend and ratio analysis.
• Assess other pertinent risk aspects and mitigating factors, including country risk, parental and / or governmental linkage / support, holding company risk, collateral evaluation, covenant structure and cushion analysis, relative ranking of indebtedness, structural and / or contractual subordination aspects etc.
• Conduct leveraged lending assessment in line with U.S. regulatory requirement and support with base and stress case projections to assess repayment capacity over 7 years as well as Enterprise Valuation Analysis (EVA) for high-risk clients.
• Support completion of mandatory checklists including Climate Risk Assessment, Environment Social Risk Assessment and Reputational Risk assessment.
• Complete Fraud Risk Assessment for all clients including assessment of red flags in the fraud risk report and trade counterparty assessment.
• For FX limits, complete limit review and substantiation exercise in line with Financial Markets Appropriateness and Credit Term Sheet updates based on RM / Risk feedback.
• The position is also responsible for the following portfolio credit monitoring activities :
• Completion of annual credit reviews of assigned accounts and re-assess key risks and re-evaluate internal credit grade.

Ensure zero annual credit review overdues and minimize review extensions.

Identify client limits with low / nil utilization and escalate to the respective Relationship Manager for input / additional discussions with product partners and / or clients.

Day-to-Day Responsibilities

• Prepare interim BCAs to increase / decrease limits, propose amendments / waivers, refresh financial analysis, update Credit Grade (when required), etc.
• Support coverage team in structuring deals and present credit proposals in senior business and risk approval committees.
• Monitor Covenants Risk Triggers (C RTs). Raise any breaches under (C RTs) to Relationship Manager, and Credit.
• Monitor and assess rating agencies actions including downgrades or outlook changes.
• Perform credit stress testing on assigned names, when required.
• Ensure compliance with all internal and regulatory credit / other portfolio related policies in conjunction with GAMs. Support senior Credit Analysts and GAMs in preparing and responding to internal / external audits and regulatory exams.
• Ensure that all relevant client information, including financials, compliance reports, credit agreement, amendments, credit approvals, dispensations, endorsements, etc.

is clearly named and saved in the shared drive in an organized manner.

• Manage the credit change process globally across teams when credit policy changes are enacted, analyse gaps and propose solutions that optimize execution
• Participate in peer reviews across business segments and ad hoc projects to analyse policy implementation and quality gaps.
• Proactively monitor key client or industry wide events or developments. Conduct periodic or ad hoc portfolio reviews of assigned client or industry subject to adverse news or vulnerable to economic, market or regulatory events.

Essential Competencies

• Credit Core Curriculum certification and expert working knowledge of Creditmate system.
• Understanding and Operational experience and knowledge of Standard Chartered Credit policies and Processes including Credit Application Process, General Lending Standard, Credit Grading Standard, Large Exposure Standard, Covenant and Risk triggers monitoring Standard, Country Portfolio Underwriting Standard, Risk Mitigation Standard, Early Alert Standard, Stressed Asset Group (Credit Grade 12 ,13 and 14) Standard, Leveraged Lending policy etc.
• Stakeholder Partnership : This position is responsible to partner the team's two key stakeholder communities, Client Coverage and Risk, supporting the former in developing and executing their client strategies and both in respect of credit analysis-relevant matters.
• Accompany GAM / RMs on client visits, as part of general due diligence in respect of credit analysis.

About Standard Chartered

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.

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
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

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 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.
• 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

Expected annual base pay range for the role is 148,000 USD to 185,000 USD. The final offer will be determined on an individualised basis using a number of variables, including but not limited to skill set, depth of experience and education, internal relativity, and specific work location.

At Standard Chartered Bank, Base pay is only part of the total compensation package. Discretionary variable pay and a range of attractive bank sponsored benefit programs are available and designed to foster employee overall health and well-being including, but not limited to, a best in class 401k plan with up to 8% employer match, robust medical plan coverage with employer funded Health Savings Accounts, inclusive family building benefits, and flexible / hybrid working arrangements for many of our positions subject to role specific considerations

Visit our careers website www.sc.com / careers

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

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www.sc.com / careers

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