Job Description
- To provide insightful, relevant, succinct and timely (see below) credit analysis of a portfolio of SCB’s 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 analyzing 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 SCB’s 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
- 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
- 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.
- Discussion of the dynamics and nature of the Client’s industry, including key risk aspects.
- Assessment of the Client’s competitive positioning within its industry.
- Discussion of management strength, experience and track record and corporate governance more broadly.
- Articulation of the Client’s 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, Fraud risk.
- 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 (e.g. 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 feedback.
- Supporting business on structuring deals.
- Documentation support on credit aspects and working with IMO 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 checklists (where applicable);
- Credit stress testing
- CCC Certification
Job Requirements
- Analytical strength – to spot emerging risks, in particular forward looking industry trends.
- Gravitas – to engage with Relationship Managers and Clients alike, have the ability to challenge in a constructive manner.
- Collaborative – to work in partnership with stakeholders to ‘get things done’, fulfilling the Job Purpose
- Minimum of 3-5 years’ relevant experience gained either in banking, treasury or accounting environment
- Strong analytical ability, focused on the assessment and calibration of credit risk
- Strong verbal and written communication skills (in English), with proven ability to work across cultures and within a dynamic environment
- Able to hold credible dialogue at all levels of the organisation, as well as with clients
- Well organized, able to multi-task and balance competing demands
- Graduates / Graduate calibre
- Sound knowledge of accounting and financial principles gained by experience or qualification
- MBA or CFA qualifications advantageous, but not required
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