Overview

Credit Analyst Job at Standard Chartered – in Sydney NSW

Job: Institutional Banking

Primary Location: Asia-Australia-Sydney

Schedule: Full-time

Employee Status: Permanent

Posting Date: 13/Oct/2021, 12:43:42 AM

Unposting Date: 27/Oct/2021, 5:59:00 PM

About Standard Chartered

We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.

To us, good performance is about much more than turning a profit. It’s about showing how you embody our valued behaviours – do the right thing, better together and never settle – as well as our brand promise, Here for good.

We’re committed to promoting equality in the workplace and creating an inclusive and flexible culture – one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base.

The Role Responsibilities

Credit Analysis

Analysing financial statements and performing in-depth quality credit research and detailed analysis.

Evaluate risks based on analysis of financial data and thorough understanding of client’s industry, business cycles, industry environment, environmental & social risks and other relevant factors using tools such as Scorecard, ESRAT, RWA calculator etc.

Preparing credit applications for GAM accounts and providing support to FAM relationships (BCAs, memos, etc.)

Evaluation and understanding of risks associated with individual transactions, products and borrowers and their activities

Attend customer meetings, analysts briefings and interact with appropriate people within the customers’ organisation when required to achieve a clear understanding of risks and to ensure familiarity with customer business.

Appropriate risk grading and risk tracking of the clients in keeping with the guidelines of the bank.

Structuring credit solutions for the clients in conjunction with the Sales/Product team and ensuring the appropriateness of the products sold using tools such as Cat 2 Due Diligence Annexure.

Liaise with legal / external counsel / CRC / CDU on credit related items for various banking facilities provided to clients.

Credit Monitoring

Ensuring compliance with all facility terms and conditions.

Monitor financial reporting covenants, risk triggers and external credit grading.

Monitor credit quality by highlighting early warning signs of credit deterioration.

Evaluation of security including evaluation of parent support policies.

Monitor news/ articles/ announcements, which will impact customer’s credit quality.

Credit Administration

Monitor receipt of financial information for annual reviews and also on an ongoing basis (half yearly financials, newspaper/analyst reports).

Liaising with LDU and CRC to ensure limit input in Transaction Processing systems as per credit approval.

Ensure that appropriate controls are in place, consistent with Operational Risk Guidelines.

Sales Support

Proactive participation in account planning sessions along with the Global Account Managers.

Proactively assist Global Account Managers in preparation of credit related call reports and briefing notes and undertake research.

In partnership with the RM to prepare the deal clearance memo / PSR, obtain the necessary pre approvals (eg: negative ER / segmentation, new relationship) and liaise with Credit for work-shopping.

Liaise with GAM / RAM / FAM for credit matters.

Review of FAM accounts (for GAMs) and liaising with credit on any credit issues.

Build profile with client via frequent interaction and contact (e.g.: client calls, visits and events).

Compliance

Ensure compliance with Banks’ policies and procedures to ensure that any breaches are authorised at the correct approval level.

Completion of all mandatory risk and compliance training including e-learning within the stated timeframe.

Other Tasks

Prepare for internal audit reviews, compliance monitoring reviews and/or external regulatory examinations including stress tests.

Liaise with peers to assist and share best practices.

To be environmentally friendly and embrace such practices to ensure compliance with the Bank’s Social and Environment objectives.

To participate and be actively involved in relevant bank initiatives and activities.

Key Stakeholders

Internal:
Senior Banker/Banker for designated portfolio

Client Manager for designated portfolio

Product partners for designated portfolio

Key functional partners ie IMO, Credit, MDU, Legal, Compliance, Product Ops (Trade, Cash, FMO etc), Finance, Marketing

CM Team Lead

Segment Leadership team

External:
Clients

Legal firms, Audit

Market Data Services providers

Our Ideal Candidate

Bachelor degree in Banking or Finance preferred.

Ideally 3+ years experience in banking or other relevant environment

Risk & AML certified as stipulated by Bank policy for Credit Analyst role

The diverse nature of the role requires the following;

Broad and comprehensive knowledge of how to interpret financial statements and ratio analysis

Broad and comprehensive knowledge of lending, credit risk analysis and loans administration

Sound understanding of the Banks’ policies, operating procedures, local underwriting standards and product programs

Appreciation of Banking Law and general understanding of Australian Company Law

Prompt decision making

Strong Interpersonal skills

Good PC skills

Minimum 3 years experience in Banking including Credit Analyst role

Apply now to join the Bank for those with big career ambitions.

To view information on our benefits including our flexible working please visit our career pages. We welcome conversations on flexible working.

About the Company

Company: Standard Chartered –

Company Location:  Sydney NSW

Estimated Salary:

About Standard Chartered -