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For Companies At a Glance
- Tasks: Manage credit risk for a diverse portfolio and conduct financial analysis.
- Company: Join a leading financial institution with a commitment to diversity and inclusion.
- Benefits: Competitive salary, flexible working, generous leave, and wellbeing support.
- Other info: Opportunities for continuous learning and career advancement in a dynamic team.
- Why this job: Make a real impact in credit management while growing your skills in a supportive environment.
- Qualifications: Strong financial analysis skills and excellent communication abilities.
The predicted salary is between 60000 - 80000 £ per year.
This role is responsible for managing the credit risk of a complex portfolio of GCM accounts.
Key Responsibilities
- 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
Our Ideal Candidate
- 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
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
- 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.
Credit & Portfolio Management, Associate DIrector employer: Standard Chartered
Contact Detail:
Standard Chartered Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit & Portfolio Management, Associate DIrector
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by practising common questions and scenarios related to credit risk management. We recommend doing mock interviews with friends or using online platforms to boost your confidence.
✨Tip Number 3
Showcase your skills through real-life examples. When discussing your experience, highlight specific projects where you managed credit risks or conducted financial analyses. This will make you stand out!
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Credit & Portfolio Management, Associate DIrector
Some tips for your application 🫡
Tailor Your CV: Make sure your CV reflects the skills and experiences that match the job description. Highlight your financial analysis skills and any relevant credit risk management experience to catch our eye!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for the Associate Director role. Be specific about your achievements in credit analysis and how they relate to our needs.
Showcase Your Communication Skills: Since this role involves liaising with various stakeholders, demonstrate your oral and written communication skills in your application. Use clear, concise language and make sure to proofread for any errors!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands and shows us you’re serious about joining our team!
How to prepare for a job interview at Standard Chartered
✨Know Your Numbers
Brush up on your financial analysis skills, especially ratio analysis and cash flow forecasting. Be prepared to discuss specific examples from your past experience where you successfully managed credit risk or conducted financial modelling.
✨Understand the Risks
Familiarise yourself with the various types of risks mentioned in the job description, such as sponsor risk and market risk. Think of real-world scenarios where you've identified or mitigated these risks, and be ready to share those insights during the interview.
✨Communicate Clearly
Since strong oral and written communication skills are crucial, practice articulating your thoughts clearly. Prepare to explain complex financial concepts in a straightforward manner, as you may need to liaise with internal stakeholders who might not have a finance background.
✨Show Your Proactivity
Demonstrate your proactive approach by discussing how you've previously monitored financial covenants or led early alert identification. Share examples that highlight your ability to take initiative and drive results, which is key for this role.