| Act as primary analyst for assigned accounts and support fellow LATAM FI Credit Analysts as required. Responsible for the management of Mexico Financial Institutions portfolio of clients to include the front-to-end business credit application (BCA) process by performing independent, forward looking credit analysis of current and prospective clients. |
Proactively assist in resolving issues in the everyday credit management of the respective assigned portfolio and escalate whenever necessary to ensure quick resolution.
Key Roles and Responsibilities
Plan and conduct the overall credit process for assigned accounts with respect to assessments of risks, credit papers, credit grades, as well as proactive monitoring of credit events, including:
* Financial analysis of customers using credit skills - ratio analysis; evaluation of security and collateral; evaluation of parent support policies; judgment of management and strategy.
* Evaluation and understanding of risk associated with individual transactions, products, borrowers and counterparties.
* Conducting annual credit review of assigned accounts and ensuring that respective GMs and BCAs are processed and successfully approved on schedule.
* Ensure compliance with all internal and regulatory credit/other portfolio related policies in conjunction with Global Relationship Managers (GAM) and Relationship Managers (RM) (e.g. preparing the Country portfolio standard checklist, Temasek check, other special reporting requirements, etc.).\
* Proactively monitoring credit risk of assigned clients on an ongoing basis and escalating any newly identified credit risk.
* As part of the annual credit review process, check for any gaps in credit documentation and escalate to RM team.
* Raise and obtain necessary deferral/waiver approvals from risk approvers/senior management.
* Monitor Risk Triggers, Covenants and other credit conditions and ad hoc credit reports appropriately - preparing reports, escalation, and take actions to GAM/Risk, as per policy/procedure. Monitor, in conjunction with risk approvers, any risk triggers and tack the evolution of client performance and client risk profiles over time.
* Ensure zero BCA/credit review over dues and work to minimize extensions.
* Alerting / Escallating the issue to the GAM/RM & other stakeholders in case any of the Credit approval conditions in have not been complied with within stipulated timelines.
* In partnership with the GAM, ensure timely identification of accounts to be put in Early Alert (EAR/ASTAR) as per the bank's policies and guidelines. Preparing the EAR/ASTAR/Adverse news report note for credit issues based on their own research and inputs from GAM and circulation to relevant stakeholders as per policy/procedure.
* Attend EAR/Portfolio meetings calls along with the relationship manager when needed
* Support team efforts in preparing and responding to internal/external audits and regulatory exams.
* As part of the annual credit review, identify client limits that are not utilized or underutilized and escalate to management to initiate discussions with the respective GAM team.
* Actively participate in the management of excesses together with the client delivery team, including, but not limited to proposing limit increases or reducing exposures and promptly addressing queries from Risk.
* Plan and conduct credit due diligence of assigned accounts.
* Ensure receipt of Quarterly/Annual/Interim Financials for private clients (non-publicly traded) from GAM/client
* Participate regularly in account planning sessions to ensure familiarity with customer business and contribute credit/risk opinions about client and industry.
* 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, if the CA attended the meeting/discussion when in attendance.
* Contribute to the structuring of transactions in coordination with other stakeholders (e.g., legal, FM, TB, RISK) including the corresponding RWA calculations.
* 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 Risk, Legal, and Compliance
* 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 and industry 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 (wherever required or request by GAM/Risk Management)
* Perform ad-hoc projects, as needed.
Regulatory & 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.
* Take personal responsibility to achieve the outcomes set out in the Bank's Conduct Principles with respect to assigned names: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance
Qualifications and Skills
* Minimum of 3 years' relevant experience gained either in banking, treasury or accounting environment.
* Familiarity with assessing the credit risk of Mexican financial institutions
* Knowledge of emerging markets capital products and services.
* Strong analytical ability, focused on the assessment and calibration of credit risk
* Strong verbal and written communication skills (in English and Spanish), with proven ability to work across cultures within a dynamic environment
* Ability to discuss issues with individuals at all levels of the organization, as well as with clients
* Well organized, able to multi-task and balance competing demands
* Pass FI-CC (or approved equivalent) within 6 months of start date or upon availability (if not available in this timeframe).
* Graduate degree and/or professional qualification preferred but not required.
* Sound knowledge of accounting and financial principles gained by experience or qualification
How To Apply
You can search and view current opportunities across our organisation and apply immediately by visiting www.standardchartered.com and selecting Careers. To help speed up your application, please note the following:
- You will need to log in (or register if you are visiting our careers site for the first time) before you can apply for a specific role
- Some roles may require you to undertake an online talent assessment in addition to completing the application form (to facilitate this process it is preferable that you provide us with an email address as part of your contact information)
- We will ask you about your education, career history and skills and experience, it may be helpful to have this information at hand when completing your application
It usually takes 15 - 20 minutes to complete the application form; you can save your application at any time and return to complete it at your convenience.
Diversity and Inclusion
Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.
Equal Opportunity Employer
Standard Chartered is an equal opportunity employer. We have a meritocratic culture where each individual employee is valued and respected for who they are as a person and for what they bring to the organisation.