Key Responsibilities

The role holder will be responsible for the following: 
•    Managing credit risk as part of the second line of defence (“2LoD”) within the Specialised Finance (“SF”) Risk for Corporate and Commercial and Institutional Bank (“CCIB”) & Financial Markets (“FM”) businesses (“1LoD”). 
•    This opportunity will suit a Senior Credit Manager profile with the relevant background and proven expertise in Project & Export Finance and/or Leveraged & Acquisition Finance. The wider global team also covers commercial real estate (CRE) financing, Transportation Finance (Aviation & Shipping), Fund Financing, Asset-backed Securitisation etc.

The role entails the following:
•    Early-stage deal screening and due diligence of new transaction requests.
•    Influence structuring for best-in-class underwriting standards and to achieve successful and timely transaction execution and syndication.
•    Partner with the business to deliver strategic aspirations whilst remaining within agreed risk appetite and optimising use of risk capital.
•    Credit approve 1LoD prepared credit applications and rating assessments using subject-matter expertise and manage a portfolio of unique counterparties with early-stage detection of credit deterioration (Early Alert Ratings), which includes stress testing.
•    Prepare and present periodic portfolio monitoring reviews with senior 1LoD stakeholders and senior 2LoD Risk partners.
•    Awareness and understanding of regulatory framework in which the bank operates, and the regulatory requirements and expectations relevant to the role.
•    Ensure that the relevant 1LoD and 2LoD owners understand and accept their risk management responsibilities, where risks are managed and risk-return trade-offs are made, in line with Credit Risk frameworks.
•    Proactively seek for improvements in 2LoD and lead associated internal initiatives related to governance, regulatory, policy, or risk driven reporting.
•    Act as the Credit Risk control owner under the Group’s Risk Management Framework (including relevant Operational Risk Framework ownership for Credit Risk) and ensure a full understanding of the risk and control environment in area of responsibility. 
•    Ensure a robust effectiveness review process to Credit Risk and escalate significant matters and / or gaps in implementation to senior management and the relevant committees.  
•    Monitor compliance of approved risk appetite using the risk information reporting and highlight significant matters to the attention of senior management and senior risk committees.

•    Ensure that the quality of the credit portfolio is maintained within acceptable parameters as defined by the Group and Country Risk Appetite statements and relevant Portfolio Underwriting Standards, and that the reporting of information relating to that portfolio is timely and accurate.
•    Ensure global credit policies and procedures are consistently interpreted, understood and applied, and that all deviations are appropriately reported, escalated and approved.
•    Maintain and influence a culture of good conduct in the Risk function and embed the Risk culture statement.
•    Represent SF Risk in business meetings, client due diligence, engagement with Regulators and conferences, seminars 
•    People leader, team player and solid independent professional.  Highly adaptable to cross-cultural environment and working closely with a multitude of professionals from various geographies and nationalities. 
•    Promote Risk to the wider organization and partner Risk peers (including market risk, policy and governance, and enterprise risk management) for risk wide initiatives.

Qualifications

•    Market Knowledge: At least 7+years of relevant experience in Project & Export Finance and/or Leveraged & Acquisition Finance.
•    Business Strategy and Model: Sharp business acumen (including ability to assess risk and appropriate levels of return), strong leadership qualities, excellent interpersonal skills and multi-cultural awareness and sensitivity. 
•    Risk Management and Control: Demonstrated track record in successful management and ability to manage risk in geographically dispersed and highly varied product base. Expertise in process design and control. 
•    Regulatory Framework and Requirements: Awareness and understanding of regulatory framework in which the bank operates, and the regulatory requirements and expectations relevant to the role. 
•    Non-technical Skills: Significant relationship management experience – with external stakeholders at the most senior levels, including regulators and rating agencies. 
•    Training: Role holder will be required to pass bank's credit risk accreditation program within 6-months of joining, in addition to other training as deemed mandatory by the SCB.

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 157,400 USD to 236,100 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.