Credit Analyst

6 days ago

Kuala Lumpur, Malaysia Standard Chartered Full time

**Job**: Institutional Banking

**Primary Location**: Asia-Malaysia-Kuala Lumpur

**Schedule**: Full-time

**Employee Status**: Permanent

**Posting Date**: 06/Mar/2024, 2:06:29 AM

**Unposting Date**: 20/Mar/2024, 6:59:00 PM

**The Role Responsibilities**

**Job Role**

**Strategy**
- 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.

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 and Group Facility Summary and 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 the strategy.

**Business**
- 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.

**Processes**

Timely drafting of credit analysis as directed by the relevant Team Leader. Such analysis should be Insightful, Relevant and Succinct (see Strategy) and include the following, inter alia
- 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; Climate 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 and 3 lines, complete Cat 2 and 3 substantiation.
- 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 and Risk Triggers.
- EAR and ASTAR reporting / updates to credit.
- Seek pre-approval endorsements (where applicable).
- Credit stress testing.
- CCRMC or FIRC Certification.
- Preparation of other analysis as directed by the relevant Team Leader, such as Industry specific reviews, portfolio reviews, assessments of new prospects, etc.

**People and Talent**
- Support CA Team Leaders and others in the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the team’s activities.
- Continually strive to share key relevant knowledge and l

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