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We are currently looking for Credit Analyst.
Key Roles & Responsibilities:
Credit Analysis: · 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 & 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
Stakeholder Partnership: · 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. Maintaining integrity in analysis at all times is critical. · 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
Qualifications and Skills:
· Degree qualified with at least 3 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. · Sound knowledge of accounting and financial principles gained by experience or qualification. · MBA or CFA qualifications advantageous, but not required. · 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.
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