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For Companies At a Glance
- Tasks: Make credit decisions and manage a diverse portfolio while collaborating with business teams.
- Company: Join Standard Chartered, a global bank committed to making a positive impact for over 170 years.
- Benefits: Enjoy flexible working, competitive salary, generous leave, and comprehensive wellbeing support.
- Why this job: Be part of a culture that values diversity, innovation, and continuous learning.
- Qualifications: Significant experience in project finance, risk management, and stakeholder engagement required.
- Other info: We celebrate unique talents and are committed to an inclusive recruitment process.
The predicted salary is between 43200 - 72000 £ per year.
We have an exciting opportunity for an experienced Senior Credit Officer to join the team. The role holder will be working with the Chief Credit Officer in collaboration with other colleagues to drive the risk management of the bank's origination, underwriting and portfolio. The Specialised Finance Risk team focuses on clients in the following segments: Leveraged and Acquisition Finance, Project and Export Finance, Structured Credit, Transportation, Commercial Real Estate and Underwriting.
Key Responsibilities
- Make final credit decisions and rating assessments using subject-matter expertise.
- Risk manage a portfolio of unique counterparties and exposures with early-stage detection of credit deterioration, which includes stress testing.
- Work actively with the Bank’s business teams to promote revenue growth whilst protecting Standard Chartered Bank against the downside risks through identification, investigation, mitigation and management of risks.
- Engage in early-stage deal screening and due diligence of new sponsors, borrowers and transactions, with the ability to analyse complex situations to find solutions.
- Influence deal structuring for best-in-class underwriting standards.
- Present periodic portfolio and industry reviews with senior stakeholders and senior Risk partners.
- Design, maintain and effectively communicate risk control parameters to maintain the risk profile in line with the Group’s risk appetite.
Skills and Experience
- Effective engagement with borrowers and sponsors.
- Experience in stakeholder management and ability to express and communicate a credit opinion (written and orally).
- Detailed understanding of creditor documentation.
- Strong ability to assess a diverse range of counterparties, asset classes, hedging products and credit scenarios.
- Proficiency in stress testing.
Qualifications
- Significant expertise in project finance and leverage finance.
- Substantial experience at the highest level in the banking industry, including demonstrated success in a similar role within the same product/business area.
- Demonstrated track record in successful management and ability to manage risk in geographically dispersed and highly varied product base.
- Strong and agile understanding of credit risk, financial analysis and structuring, and their application in lending decisions for single counterparty credit risk appetite.
- Awareness and understanding of regulatory framework in which the bank operates, and the regulatory requirements and expectations relevant to the role.
- Significant relationship management experience – with external stakeholders at the most senior levels, including regulators.
We are committed to a fair and inclusive recruitment process. Should you require any reasonable adjustments throughout, do let us know so we can aim to accommodate your needs.
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.
Senior Credit Officer, Specialised Finance employer: Standard Chartered
Contact Detail:
Standard Chartered Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Officer, Specialised Finance
✨Tip Number 1
Network with professionals in the banking and finance sector, especially those who have experience in project and leveraged finance. Attend industry events or webinars to connect with potential colleagues and learn about the latest trends in risk management.
✨Tip Number 2
Familiarise yourself with the regulatory frameworks relevant to credit risk management. Understanding these regulations will not only enhance your knowledge but also demonstrate your commitment to compliance during interviews.
✨Tip Number 3
Prepare to discuss specific case studies or examples from your past experience where you successfully managed credit risk or made significant credit decisions. This will showcase your expertise and ability to handle complex situations.
✨Tip Number 4
Engage with current employees at Standard Chartered through platforms like LinkedIn. Ask them about their experiences and insights into the company culture, which can help you tailor your approach and show that you’re a good fit for the team.
We think you need these skills to ace Senior Credit Officer, Specialised Finance
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit risk management, project finance, and stakeholder engagement. Use specific examples that demonstrate your expertise in these areas.
Craft a Compelling Cover Letter: In your cover letter, express your passion for the role and the banking industry. Discuss how your skills align with the key responsibilities outlined in the job description, particularly in risk management and deal structuring.
Showcase Your Analytical Skills: Provide examples of how you've successfully assessed complex credit scenarios or conducted stress testing in previous roles. This will demonstrate your ability to handle the responsibilities of the Senior Credit Officer position.
Highlight Relationship Management Experience: Emphasise your experience in engaging with senior stakeholders and external partners. Mention any successful collaborations or negotiations that showcase your communication skills and ability to influence decisions.
How to prepare for a job interview at Standard Chartered
✨Showcase Your Expertise
As a Senior Credit Officer, it's crucial to demonstrate your deep understanding of credit risk and financial analysis. Be prepared to discuss specific examples from your past experiences that highlight your ability to assess complex situations and make informed credit decisions.
✨Engage with Stakeholders
Effective communication is key in this role. Practice articulating your credit opinions clearly, both in writing and verbally. Think about how you can engage with senior stakeholders during the interview, showcasing your relationship management skills and ability to influence decision-making.
✨Understand Regulatory Frameworks
Familiarise yourself with the regulatory environment relevant to the banking industry. Be ready to discuss how you have navigated these frameworks in previous roles and how they impact risk management and lending decisions.
✨Demonstrate Problem-Solving Skills
Prepare to discuss scenarios where you've had to identify, investigate, and mitigate risks. Highlight your experience with stress testing and how you've used it to manage portfolios effectively. This will show your proactive approach to risk management.
