Senior Credit Review Analyst

Standard Chartered-posted 4 months ago
$83,000 - $125,000/Yr
Full-time • Senior
Hybrid • New York, NY
1,001-5,000 employees
Credit Intermediation and Related Activities
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We are seeking a Senior Credit Risk Review Analyst to join our US Credit Risk Review team. In this role, you will support the Head of Credit Risk Review (CRR) in executing the annual Credit Risk Review plan. Key responsibilities include acting as a team member on various credit reviews, serving as a Continuous Monitoring officer for assigned portfolios, and participating in the planning, execution, and reporting of credit reviews and special projects. The US Credit Risk Review (CRR) team sits within the Group Internal Audit (GIA) organisation, thereby representing the third line of defence. Their primary role is to provide an independent assessment of credit risk ratings, overall credit quality and the appropriateness of specific reserves for credits held within the NY Branch Corporate and Institutional Banking (CIB) Loan Portfolio.

  • Support the Head of Credit Risk Review ('CRR') and support the Group Internal Audit (GIA) Regional Head of Audit in the execution of the annual Credit Risk Review plan.
  • Act as Team member on various Credit Reviews and act as Continuous Monitoring officer for all assigned portfolios.
  • Identify deficiencies in the application of the Bank's Credit Risk Management Framework and agree and finalise issues and action plans with management.
  • Ensure early identification and escalation of risks, issues, trends and developments to relevant stakeholders.
  • Ensure that assigned credit review work is executed in an efficient and effective manner, within the given budget and timelines, and is of high quality, while complying with CRR policies and Standards.
  • Build and maintain engagement with stakeholders.
  • Support GIA audit teams by providing product/country knowledge and expertise for their audits relating to the individual's area of responsibility.
  • Attend formal committees and Group meetings on behalf of the Head of CRR or for their own area of responsibility, as required.
  • Act as a Team member on assigned work involving CRR, delivering relevant planning materials, executing test scripts, agreeing issues and action plans with management, and submitting draft reports for review.
  • Provide technical input and challenge on review work being undertaken within the scope of assigned product/country area of responsibility.
  • Support the Head of CRR to update the relevant assigned risk assessments as part of the Continuous Risk Assessment on a regular basis.
  • Promote early identification and escalation of risks, issues, trends and developments to relevant stakeholders.
  • Attend relevant meetings at the request of the Head of CRR to keep up-to-date on key business matters.
  • 3-5 years of experience performing credit analysis for corporate and institutional banking clients.
  • Preferably some experience participating in independent loan reviews.
  • Formal Credit Training.
  • Experience in audit, governance, risk or in a business environment.
  • In depth understanding of Corporate & Institutional Banking business, including credit and operational risks.
  • Strong communicator, both written and verbal, with an ability to influence and gain respect of regional stakeholders.
  • Confident and courageous to raise/escalate issues in a pro-active, professional and timely manner.
  • Rating agency (Moody's, S&P, Fitch) background.
  • Solid background in credit analysis in 2nd or 3rd line in CRR, or in a rating agency.
  • Multi-industry coverage exposure (i.e., coverage of corporate loans from different industries).
  • 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.
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