Associate Director, Credit Analyst

4 weeks ago

Hanoi, Vietnam Standard Chartered Full time

**Job***: Institutional Banking

**Primary Location***: Asia-Vietnam-Hanoi

**Schedule***: Full-time

**Employee Status***: Permanent

**Posting Date***: 12/Feb/2023, 9:20:55 PM

**Unposting Date***: Ongoing

**The Role Responsibilities**

**Job Summary**

Take primary responsibility for the Credit risk of the assigned own portfolio and maintain the quality of the portfolio at a high level.
Closely co-work with RM from the origination stage through post deal account monitoring, play a vital role for better deal structure with more value-added products (from a credit / policy perspective) and facilitate revenue growth in the portfolio.

**Origination**
- Interact actively with clients and gather information with regard to deal requirements and financial statements and other inputs for performing quality analysis and due diligence.
- Work with RM / product partners in developing credit solutions for the clients and ensuring the appropriateness of the products.
- Work with RM in
- obtaining all pre clearances
- preparing and presenting work-shopping note
- expediting approvals.
- Responsible for end-to-end Business Credit Application process including preparing all the tools such as scorecard, in-depth analysis about various risks, quality presentation and ensuring fast credit approval.
- Ensure compliance of all internal and regulatory credit / other portfolio related policies.

**Post Deal Account Monitoring**
- Monitor quality of the portfolio by tracking excess and past dues and credit issues.
- Monitor Risk Triggers, Covenants and other credit conditions and report appropriately.
- Liaise with the Credit on credit reports and issues and ensure timely responses to queries.
- Properly maintain Credit files and ensure them to be prepared for external and / or internal Audit at any time.
- Ensure no report overdues.

**Others**
- Prepare Stress Tests in a timely manner, wherever required.
- Prepare Credit Opinion reports wherever required.

**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 & 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 (hedg

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