Associate Director, Portfolio Analytics & Monitoring

The PAM team sits within Financing Risk Group alongside the Loan Syndications & Distributions team, Credit Insurance team, and Private & Traded Credit teams. Financing Risk Group sits within the Global Credit Markets (GCM) division.

Proactive management of the credit risk (monitoring and analysis) of a complex portfolio of GCM accounts in close co-ordination with the originating deal team.

Effective management of the returns of the portfolio through timely identification of existing and potential low returning facilities, and involvement in identifying and executing the most suitable optimisation strategy.

The PAM team portfolio covers the following products: Project Finance, Shipping Finance, Leverage and Acquisition Financing, Commercial Real Estate Financing, Financing Solutions, ABL, and Fund Finance.

• Portfolio – returns management and optimisation: Minimising ECLs (overall ECL to be within the Budget set for Financing Risk) and proactive measurement of ECLs based on forward looking analysis.
• Formulate recommendations to actively de-risk and optimise (sell down/ insure / CLO / chakra / etc) riskier assets in the book.
• Work with loan syndications & distributions team in marketing an asset, calculate / prepare breakeven price, returns impact, etc, providing responses to questions from prospective buyers.
• Work with Credit Insurance team in securing insurance for an asset, calculate returns impact, and providing responses to questions from prospective insurers.
• Track performance of individual accounts against NAR reduction requirements / targets, and coordinate with deal teams, CPM, and syndication / credit insurance on strategy to achieve such targets.
• Ability to support on packaging deals with the distribution / securitisation teams for Funded/Unfunded Risk Participations or synthetic Account specific - Credit Risk Management.
• Proactive, comprehensive and timely credit analysis through BCA renewals and quarterly performance reporting.
• Backward- and forward- looking financial analysis.
• 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.
• 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.
• CRE-specific workstream/s: Update existing financial models and / or leverage Argus system to generate cash flows and build financial models.
• Assess movement in CG as a result of updates in asset performance, ICR, underlying tenants / cash flows, industry backdrop, etc. and conduct credit requested CG reviews.
• Review any updates on material changes in underlying leases, and update deal team and credit.
• Review reporting items such as valuation reports, rent rolls, property monitoring reports, compliance certificates, ICR / debt yield calculations, project monitor reports and highlight any material concerns to internal stakeholders.
• Provide inputs / recommendations for placing on early alert or further downgrades and take the lead in submissions post discussion.
• Liaising with Agent on valuer appointment for valuations (post-closing), coordinating with CREF and internal legal to review engagement letter, review draft report and liaise with CREF as necessary.
• Monitor cash trap mechanics during interest payment dates for accounts that have tripped cash trap triggers. Liaise with Agent on any clarifications.

• Ability to undertake credit analysis and evaluation and understanding of risks associated with Global Credit Market deals.
• 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.
• Risk-return, RWA, RoRWA, and ECL calculations.
• Understanding of Financing Risk / optimisation / NAR strategies.
• Manage Conduct Compliance - Governance, Oversight and Control.

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.

• 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.