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    Credit Analyst, Financial Institution - São Paulo, Brasil - Standard Chartered Bank

    Standard Chartered Bank
    Standard Chartered Bank São Paulo, Brasil

    há 1 semana

    Default job background
    Tempo integral
    Descrição

    Role Responsibilities

    Job Role

    Proactively assist in resolving issues in the everyday credit management of the respective assigned portfolio and escalate whenever necessary to ensure quick resolution.

    Supervise and coordinate workload for direct report. Own portfolio should be comprised of lower rated / high exposure accounts or deteriorating credits.
    Act as primary credit analyst for assigned accounts and support fellow LATAM FI Credit Analysts as required. Responsible for the management of Brazilian Financial Institutions portfolio as well as other LATAM regional countries, as needed.

    This includes the front-to-end business credit application (BCA) process by performing independent, forward looking credit analysis of current and prospective clients.

    Act as a primary analyst for assigned accounts and secondary analyst for remaining accounts in the Bank / Broker-Dealer segment. Responsible for the front-to-end BCA process of assigned accounts as primary analyst by performing independent, forward looking credit analysis of current and prospective clients and act as a secondary analyst as needed. Plan and conduct the overall credit process for assigned primary accounts with respect to assessments of risks, credit papers, assignment and monitoring of limits, credit grades, as well as proactive monitoring of credit events.

    Strategy

  • Financial analysis of customers using credit skills, ratio analysis, evaluation of security and collateral, evaluation of parent support policies, judgment of management and strategy.
  • Take personal responsibility for execution of complex transactions or managing complex relationships with assigned names.
  • Participate regularly in account planning sessions to ensure familiarity with customer business.

    • Business

  • Ensure compliance of all internal and regulatory credit/other portfolio related policies in conjunction with GAM.
  • Contribute to the excess report process, including, but not limited to proposing limit increases or reducing exposures and promptly addressing queries.
  • Participate regularly in account planning sessions to ensure familiarity with customer business.
  • Visit / meet customers to conduct credit due diligence of new customers with credit lines as part of the onboarding credit review process. Conduct enhanced credit due diligence in order to achieve clear understanding of credit risks associated with new transactions. Prepare call reports on credit / risk related discussion.
  • Propose and assist with negotiation of credit terms for ISDA/CSA agreements through preparation of Credit Term Sheets (CTS).
  • Cultivate and maintain close relationships with stakeholders in Funds Risk, Legal, and Middle Office.
  • Conduct periodic portfolio reviews of assigned segment to assess creditworthiness and initiate ad hoc reviews for clients subject to adverse news or vulnerable to specific economic, market or regulatory events.
  • Proactively monitoring market data and risk triggers across the assigned portfolio.
  • Take personal responsibility for complex transactions or complex relationships with assigned names.
  • Contribute to Stress Tests requests.
  • Perform ad-hoc projects, as needed.

    • Processes

  • Ensuring the compliance of all internal and regulatory credit / other portfolio related policies in conjunction with the GAM.
  • Monitor risk triggers, covenants and other credit conditions and ad hoc credit reports appropriately – preparing reports, escalation and take actions, as per policy / procedure.
  • Responsible for the front-to-end BCA process of assigned accounts as primary analyst by performing independent, forward looking credit analysis of current and prospective clients and act as a secondary analyst as needed.
  • Ensure zero BCA over dues and work to minimize extensions.

    • People and Talent

  • Embed Here for good and Group's brand and values in Financial Markets globally
  • Build strong and cooperative working relationship with other stakeholders in the bank.
  • Contribute to continuous process improvement and sharing best practice

    • Risk Management

  • Abide by the Bank's RM Framework.
  • Proactively monitor market data and risk triggers across the assigned portfolio.
  • In partnership with the GAM, ensure timely identification of accounts to be put in EAR / ASTAR as per the Bank's policies and guidelines. Preparing the EAR / ASTAR / Adverse news report note based on their own research and inputs from GAM and circulation to relevant stakeholders as per policy / procedure.

    • Governance

  • Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
  • Conduct periodic portfolio reviews of assigned segment to assess creditworthiness and initiate ad hoc reviews for clients subject to adverse news or vulnerable to specific economic, market or regulatory events.

    • Regulatory and 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.
  • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

    • Key Stakeholders

  • GAMs, FAMs
  • Risk, CRC
  • MDU, Legal and Compliance, where relevant
  • Product partners
  • FCC, where relevant

    • External Relationships

  • Clients (Existing and potential new clients)

    • Our Ideal Candidate

  • Bachelor's degree with concentration in Finance, Accounting and other related fields. Advanced Certification is a plus (MBA / CFA).
  • Minimum of 2 years' relevant experience gained as a credit / equity analyst, including minimum of 1 years covering banks and broker / dealers and other NBFIs.
  • Strong understanding of Bank, Broker / Dealer and CCP business mixes and embedded risks associated with their investments and operations.
  • Proven history of performing financial statement analysis and conducting bank and broker/dealer credit due diligence reviews.
  • Ability to effectively manage competing deadlines for projects in a dynamic work environment, with varying degrees of supervision.
  • Strong attention to detail and ability to notice discrepancies in data.
  • Strong verbal and written communication skills, with proven ability to work across cultures and within a dynamic environment.

    • Role Specific Technical Competencies

  • Strong knowledge of bank, broker / dealer and wider NBFI industries
  • Strong credit analytical skills, including but not limited to financial statement analysis, industry analysis, credit due diligence process
  • Ability to work well with other team members and stakeholders
  • MS Excel, Word and Access
  • Financial market, especially FX

    • ­

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