Credit Analyst, Portfolio Monitoring

2 weeks ago

Dubai, United Arab Emirates Standard Chartered Full time

**Job**: Financial Markets

**Primary Location**: Africa & Middle East-United Arab Emirates-Dubai

**Schedule**: Full-time

**Employee Status**: Permanent

**Posting Date**: 01/Mar/2024, 5:32:24 AM

**Unposting Date**: 15/Mar/2024, 6:59:00 PM

**The Role Responsibilities**

The role holder will be responsible for managing a team alongside proactively managing the credit risk (monitoring and analysis) of a complex portfolio of Global Credit Markets (GCM) accounts in close co-ordination with the originating deal team.

**Strategy**
- Actively support in managing the Global Credit Markets loan portfolio returns by minimising ECLs and RWA.
- Monitor client Credit Grades and recommend timely re-assessment as necessary
- Monitor LGD benefits remains in line with the benefits expected during deal origination
- The role holder will be responsible for proactively managing the credit risk (monitoring and analysis) of a portfolio of GCM accounts in close co-ordination with the originating deal team.

**Business**
- Proactive, comprehensive and timely credit analysis through BCA renewals, quarterly performance reporting, waiver and amendment requests and documentation of credit events;
- Ensure forward looking Credit analysis and make appropriate recommendations with regards to credit risk and de-risking opportunities.
- Ability to analyse Risk/Return analysis and optimise profits with recommendations being based on forward looking risks
- Evaluation and understanding of risks associated with Corporate Loans, Leverage and Acquisition Finance, Project and Export Finance, as well as Shipping and Aviation Finance assets, structural, contractual and external risks;
- Financial analysis of a complex customer base using credit skills; ratio analysis; balance sheet and cashflow analysis;
- Evaluation of security, including parental support;
- Evaluation of project company management and strategy;
- Compliance with Bank policy and procedures

**Processes and Risk Management**
- Monitoring, reviewing and reporting (where required) of covenanted items to manage credit risk profile of the portfolio when making recommendations to credit; and
- Prepare/assist with periodic portfolio reporting including Portfolio Risk/Return analysis and profit optimisation
- Timely respond to portfolio related queries to other stakeholders in the Bank including any ad-hoc reporting requests;
- Ensure that credit files are complete and maintained to an auditable standard.
- Active participation in projects which will impact upon the GCM Portfolio

**Governance**
- Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
- Responsible for delivering ‘effective governance’; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.
- Accountable for escalation from Dubai PAM team and/or other Group governance committees or stakeholders in senior management, risk or control functions.
- For DIFC governance purposes, any actual or potential conduct, regulatory and/ or internal policy matters relating to DIFC based staff, or activities, must be escalated to the Head of FM MENAP for consideration and action if needed

**Regulatory & Business Conduct**
- Display exemplary conduct and live by the Group’s Values and Code of Conduct.
- Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
- Lead the PAM Team to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

**Key stakeholders**

**Internal**
- Credit / Risk
- GCM/FM Deal Teams
- RMs / GB Teams
- Ops - CRC, LDU, LPU/GLS

**External**
- Clients comprising AME portfolio

**Other Responsibilities**
- Embed Here for good and Group’s brand and values in PAM globally.
- Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
- Multiple functions; responsibilities associated with the management of the Dubai PAM team are all laid out in this document.
- Bachelor’s Degree with preferrable specialization in Finance
- Risk Mitigation, Financial Analysis, Financial Modelling
- Business Level English

**Role Specific Technical Competencies**
- Ability to undertake credit analysis and evaluation and understanding of risks associated with Global Credit Market deals
- Financial analysis of a complex customer base using credit skills; ratio analysis; balance sheet and cashflow analysis;
- Oral and writte

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