Portfolio Analytics Expert
4 days ago
Standard Chartered is an international bank that operates globally, with a commitment to making a positive difference for our clients, communities, and employees. We strive to be here for good, driven by our purpose to drive commerce and prosperity through our unique diversity.
Job Description
We are seeking an Associate Director to join our team in a challenging role that involves proactively managing credit risk and return benefit for a complex portfolio of Global Banking (GB) accounts. The successful candidate will work closely with the originating deal team, product partners, and other stakeholders to ensure the portfolio's RoRWA and RoTE are managed above threshold levels. This includes preparing credit application memos, conducting quarterly borrower performance reviews, and recommending assets to sell or de-risk. Additionally, the candidate will support new origination efforts, perform risk/return analysis, and optimize profits of portfolios. They will also work closely with Coverage, GSAM, and respective Banking product teams to ensure stage 3 ECLs are reasonable and arrived logically.
About the Role
Key responsibilities include:
- Credit Risk: Prepare credit application memos, discuss and get it approved from Credit, quarterly borrower performance review and updates, covenant monitoring, site visits, highlight early alert & horizon risks, amongst others.
- Risk/Return: Ensure 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.
- 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.
- Ensure forward looking credit analysis and make recommendations to actively sell down or promote credit enhancement for risky assets in the book.
Requirements and Qualifications
To be considered for this role, you should have:
- Strong communication skills
- Knowledge of capital markets and financial analysis
- Ability to prepare detailed credit reports and presentations
- Excellent analytical and problem-solving skills
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