Job Summary

Join our dynamic Americas Sydincate and Financing Risk Team in New York as an Associate Director, Portfolio, Analytics and Monitoring, Financing Risk and take your career to the next level. As part of our prestigious Corporate and Investment Banking (CIB) division, you will play a vital role in our Financing Risk unit, engaging with top-tier clients. Our PAM team portfolio covers the following products: Project Finance, Shipping Finance, Leverage and Acquisition Financing, Commercial Real Estate Financing, Financing Solutions, and Fund Finance.

In this exiciting role, this is your opportunity to make a significant impact within a leading financial instituion by proactively managing the credit risk (monitoring and analysis) of a complex portfolio of GCM accounts

Key Responsibilities

Account specific - Credit Risk Management:
•    Proactive, comprehensive and timely credit analysis through BCA renewals and quarterly performance reporting
•    Backward- and forward- looking financial analysis
•    Project cash flow forecasting, financial modelling
•    Risk/mitigation analysis – Sponsor risk, offtaker / market risk, industry risk, supplier risk, technology risk, and other project risks
•    Monitor the Credit Grades and recommend timely downgrades and upgrades as necessary
•    Take the lead on waivers / consents / amendments / extensions, prepare credit papers and liaise with internal stakeholders (E.g. CREF, Credit, GCIG, Legal etc) for timely approval decisions to the client. 
•    Proactive monitoring of financial / non-fin covenants, and conduct impact analysis
•    ESRM, CRA, Rep Risk, and Fraud Risk requirements
•    Monitor LGD benefits remains in line with the benefits expected during deal origination
•    Take the lead in Early Alert identification, monitoring, updating, and discussions
•    Ability to work closely with SAG and the respective GCM product to ensure that stage 3 ECLs are reasonable and arrived logically with realistic assumptions
•    Attend site visits as required, prepare call reports and provide updates to key internal stakeholders on material observations.
•    Quarterly portfolio reporting
•    Timely response to portfolio related queries, stress tests, and other ad hoc reporting
•    Ensure that credit files are complete and maintained to an auditable standard
•    Active participation in projects / efficiency initiatives which will impact upon the GCM Portfolio

Skills and Experience

•    Ability to undertake credit analysis and evaluation and understanding of risks associated with Global Credit Market deals.Requires minimum 5 years of expereince in any of the following : Project Finance, Shipping Finance, Leverage and Acquisition Financing, Commercial Real Estate Financing, Financing Solutions, and Fund Finance.
•    Financial analysis of a complex customer base using credit skills; ratio analysis; balance sheet and cashflow analysis; 
•    Oral and written communication skills
•    Able to analyse excel-based financial models;
•    Risk Management and Internal Controls
•    Manage Conduct
•    Compliance - Governance, Oversight and Control
•    Business - Strategy and Model
•    Business - Market Knowledge

Qualifications

•    Academic or Professional Education/Qualifications
•    Licenses and Certifications/accreditations
•    Professional Memberships 
•    Core Credit Curriculum Certified (internal SCB course)

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. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

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 thing and 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

Expected annual base pay range for the role is 112,500 USD to 190,000 USD. The final offer will be determined on an individualised basis using a number of variables, including but not limited to skill set, depth of experience and education, internal relativity, and specific work location. At Standard Chartered Bank, Base pay is only part of the total compensation package. Discretionary variable pay and a range of attractive bank sponsored benefit programs are available and designed to foster employee overall health and well-being including, but not limited to, a best in class 401k plan with up to 8% employer match, robust medical plan coverage with employer funded Health Savings Accounts, inclusive family building benefits, and flexible/hybrid working arrangements for many of our positions subject to role specific considerations Visit our careers website www.sc.com/careers 

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-off including 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 working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through 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 culture to 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.