Associate Director, Portfolio Analytics

2 weeks ago

Hong Kong Island, Hong Kong SAR China Standard Chartered Full time

The role holder will be responsible for proactively managing the credit risk & risk/return benefit and act as a portfolio manager of a complex portfolio of Global Banking (GB) accounts in close co-ordination with the originating deal team. The products comprise of Leveraged & Acquisition Finance (LBO, structured finance, dividend recapitalisation, hold-co financing, promoter financing), Commercial Real Estate Financing, Project & Structured Export Finance, Transportation Finance (aviation+shipping) and Term loans (including Capex & general purpose). The role requires close interaction with several stakeholders ie Credit/Risk, client, Agency, other lenders, Relationship Managers, Loan Syndications & GB product partners. The candidate will also selectively work with product partners in writing new deal Credit Application Memos.

Job Responsibilities
  • Credit Risk: Prepare credit application memos and discuss & get it approved from Credit, quarterly borrower performance review and updates, covenant monitoring, site visits, highlight early alert & horizon risks, amongst others.
  • Risk/Return: Ensuring Bank's RoRWA & RoTE are managed above the given threshold by managing the client, deal & portfolio level RoRWA, recommending assets which can be sold/churned or de-risked (through insurance, FRP), along with Loan Syndications engaging with stakeholders/other investors/lenders for marketing these assets. By analysing the upcoming potential risks, assets can be sold/de-risked to mitigate ECL & RWA spikes.
  • Supporting new origination: Attending the new deal pipeline calls, reviewing, analysing & supporting all new deals hold positions that bank underwrites by understanding the risks, deal & group level risk/return. Work with product partners in writing new deal Credit Application Memos.
  • Ensure forward looking credit analysis and make recommendations to actively sell down or promote credit enhancement for risky assets in the book.
  • Perform risk/return analysis and optimise profits of portfolios wherever applicable. Recommendations to be based on forward looking risks (driven by CG downgrades and hence incremental Credit losses, stress tests, etc.).
  • Support on packaging deals with the distribution / securitisation teams for Funded/Unfunded Risk Participations or synthetic sell downs (e.g., CLOs).
  • Work closely with Coverage, GSAM and respective Banking product teams to ensure that stage 3 ECLs are reasonable and arrived logically with realistic assumptions.
  • Actively support in managing the Banking loan portfolio returns by minimising ECLs (overall ECL to be within the Budget set for Financing Risk).
  • Monitor LGD benefits and ensure them to remain in line with the benefits expected during deal origination.
  • Support Banking's sustainable initiatives including managing manual inputs on CRR5201a.
  • Proactive, comprehensive and timely credit analysis through BCA renewals, quarterly performance reporting, waiver and amendment requests and documentation of credit events.
  • Evaluation and understanding of risks associated with Financing Solutions/Leverage and Acquisition Finance/Commercial Real Estate/Project and Export Finance/Structured 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 but not limited to parental support.
  • Evaluation of project company management and strategies.
Job Requirements

Qualification

Role Specific Technical Competencies

  • Communication Skills
  • Capital Markets
  • Documentation
  • ESG
About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

  • Do the right thingand are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do.
  • Never settle,continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well.
  • Are better together,we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term.
What we offer

In line with our Fair Pay Charter,we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

  • Core bank funding for retirement savings, medical and life insurance,with flexible and voluntary benefits available in some locations.
  • Time-offincluding annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
  • Flexible workingoptions based around home and office locations, with flexible working patterns.
  • Proactive wellbeing supportthrough Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits.
  • A continuous learning cultureto support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
  • Being part of an inclusive and values driven organisation,one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.
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