Credit Analyst

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Company:
Standard Chartered Bank
Location:
Dubai, United Arab Emirates
Salary:
Negotiable
Employment Type:
Full time
Sector:
Corporate Banking
Sub Sector:
Relationship Management
Position Type:
Permanent
Job Reference:
2651900
Date Added:
11-January-2018

Job Description

Key responsibilities of this job are as follows:

Timely drafting of credit analysis of a portfolio of SCB's clients, including the following:

  • 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 (hedging, cash management) and liquidity;
  • Development of a current / forward year base forecast performance expectation;
  • Assessment of balance sheet strength, alongside cashflow and profitability vulnerability, via ratio analysis and/or stress testing;
  • Discussion of other pertinent risk aspects, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness;
  • Evaluation of risks associated with particular proposed transactions, where required
  • Completion of Group Mandate/BCA Part 1, Part 2, financial analysis/spreads, scorecards;
  • Preparation of other analysis as necessary, such as Industry specific reviews, portfolio reviews, assessments of new prospects etc.

Stakeholder Partnership

  • In respect of Clients where the role-holder is assigned as analyst:
  • Proactive monitoring of key entity or industry wide events and/or developments, as well as of covenants and risk triggers where applicable
  • Partnering Relationship Managers in pursuing their client strategies through proactive idea generation, support in preparing materials for client discussion and through ensuring they are always fully briefed on key risk aspects
  • Partnering Risk through clear presentation of credit analysis and proposed credit grading, as well as through proactive and considered discussion of key risk aspects
  • Accompanying Relationship Managers on client visits, as part of general due diligence in respect of credit analysis
  • Acting as a broader point of expertise in respect of credit aspects with Product and others across SCB

Team Development

  • Support CA Team Leaders and others in the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the team's activities
  • Continually strive to share key relevant knowledge and learnings with others across the team
  • Provide credit specific coaching to newer or less experienced members of the team