• Associate, Credit Analyst, China Corporates Jobs in China

  • Standard Chartered Bank Ltd
  • China

Job Description:

Associate, Credit Analyst, China Corporates - ( 1900021131 )

Job Institutional Banking

Primary Location Greater China and North Asia-China-Shenzhen

Schedule Full-time

Employee Status Permanent

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 Its 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

Were 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

Job Purpose

Credit Analysis

To provide insightful, relevant, succinct and timely (see below) credit analysis of a portfolio of SCBs clients (current or prospective)

This includes responsibility for proposing counterparty credit grades via the relevant scorecard, and ongoing monitoring for credit-material events While the portfolio will be industry / geography specific in focus, the role extends to analysing other clients as may from time to time be required

Insightful Attuned to the needs of two audiences Client Coverage and Risk - the analysis should provide a forward-looking, focused opinion on the likely development of both business and financial risk elements in their industry / geographic context together with a calibrated articulation of key risks and potential mitigants thereto

Relevant As well as a holistic counterparty assessment, analysis should comment on structural elements relevant to SCBs existing or proposed exposure such as guarantee and security arrangements

Succinct While always providing sufficient granularity to substantiate its conclusions and observations, the analysis should present opinion in as structured and succinct a manner as is practical

Timely While focused on the prescribed annual review cycle, analysis will also be required where material new exposure is being considered by Client Coverage In addition, more summary analysis should be produced and disseminated quickly, where relevant

Additionally, for any BCA submission it will involve the following

Critical review of Environment and Social Risk Assessments, Appropriateness and Suitability Assessments (FM Products);
Consistency and coherence review of the Approved Account Plan, Raptor (or equivalent), Client & Group Facility Summary & Structure (including Terms and Conditions)
Active partnership with Client Coverage in completion of Risk Profile, Compliance Details, as well as proposed Covenants and Risk Triggers

Overall accountability for consistency and coherence of the complete BCA package submitted to Risk will rest with Credit Analysis and is a key element of this Job Purpose

Stakeholder Partnership

To partner the teams 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 Maintaining integrity in analysis at all times is ciritcal

This includes frequent and iterative discussion with both Client Coverage and Risk around draft analysis, key sector / geographic trends, as well as discussion of covenants, risk triggers and the like It involves proactive idea generation and discussion with Client Coverage around potential business opportunities for SCB, assisting both Client Coverage and Risk around transaction structuring and execution, where relevant, and identifying and alerting stakeholders of emerging risk aspects on a continuous basis

Team development

To assist CA Team Leaders in projects focused on improving and enhancing the activities of the team, as well as the quality of credit analysis produced

This includes coaching and supporting the development of newer and less experienced members of the team

The Role Responsibilities

Credit Analysis

Timely drafting of credit analysis as directed by the relevant Team Leader Such analysis should be Insightful, Relevant and Succinct (see Job Purpose) and include the following, inter alia

Discussion of the dynamics and nature of the Clients industry, including key risk aspects;
Assessment of the Clients competitive positioning within its industry;
Discussion of management strength, experience and track record and corporate governance more broadly;
Articulation of the Clients strategy and an assessment of its clarity and associated execution risks;
Assessment of funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity;
Development of a current / forward year base forecast performance expectation;
Assessment of balance sheet strength, alongside cashflow and profitability vulnerability, via ratio analysis and/or stress testing;
Discussion of other pertinent risk aspects, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness;
Evaluation of risks associated with particular proposed transactions, where required;
Completion of Group Mandate/BCA Part 1, Part 2, financial analysis/spreads, scorecards;
Ensure use of appropriate calculator in alignment with Credit Policy for relevant approvals (eg Raptor, Group Aggregation Calculator);
Complete ESRA (Environment and Social Risk Assessment) Checklist;
For Cat 2 lines, complete Financial Markets Appropriateness and GWWR Attribute checklist;
For Cat 2 lines, Credit Term Sheet updates based on RM/Risk/MDU feedback;
Supporting business on structuring deals;
Documentation support on credit aspects and working with CRC/LDU on BCA reworks;
Testing and Monitoring Covenants & Risk Triggers;
EAR & ASTAR reporting/updates to credit;
Seek pre-approval endorsements(where applicable);
Preparing country specific regulatory check-lists (where applicable);
Credit stress testing
CCC Certification

Preparation of other analysis as directed by the relevant Team Leader, such as Industry specific reviews, portfolio reviews, assessments of new prospects etc

Stakeholder Partnership

In respect of Clients where the role-holder is assigned as analyst

Proactive monitoring of key entity or industry wide events and/or developments, as well as of covenants and risk triggers where applicable
Partnering Relationship Managers in pursuing their client strategies through proactive idea generation, support in preparing materials for client discussion and through ensuring they are always fully briefed on key risk aspects
Partnering Risk through clear presentation of credit analysis and proposed credit grading, as well as through proactive and considered discussion of key risk aspects
Accompanying Relationship Managers on client visits, as part of general due diligence in respect of credit analysis
Acting as a broader point of expertise in respect of credit aspects with Product and others across SCB

Team Development

Support CA Team Leaders and others in the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the teams activities
Continually strive to share key relevant knowledge and learnings with others across the team
Provide credit specific coaching to newer or less experienced members of the team

Key Stakeholders

Internal Relationships

GAMs, RAMs, FAMs

Profile Summary:

Employment Type : Full Time
Eligibility : Any Graduate
Industry : Banking
Functional Area : Accounting/Tax/Company Secretary/Audit
Role : Audit & Risk
Salary : As per Industry Standards
Deadline : 18th Mar 2020

Key Skills:

Company Profile:

Company
Standard Chartered Bank Ltdarfix

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