Associate Director, Portfolio Analytics & Monitoring, Financing Risk

Standard Chartered•New York, NY

40d•Hybrid

About The Position

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

Requirements

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

Nice To Haves

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

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

Benefits

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.

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