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 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 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
Job Description
- 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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