Associate Director, Credit Analyst
Standard Chartered Bank
Bogota, Colombia
hace 6 días

The Role Responsibilities

Strategy

  • Act as a primary analyst for assigned accounts and secondary analyst (as needed) for remaining accounts in the LATAM FI franchises.
  • Responsible for the front-to-end BCA process of assigned accounts as primary analyst by performing independent, forward looking credit analysis of current and prospective clients and act as a secondary analyst as needed.

    Plan and conduct the overall credit process for assigned primary accounts with respect to assessments of risks, credit papers, assignment, credit grades, as well as proactive monitoring of credit events.

    Business

    Financial analysis of customers using credit skills, ratio analysis, evaluation of security and collateral, evaluation of parent support policies, judgment of management and strategy.

  • Take personal responsibility for execution of complex transactions or managing complex relationships with assigned names.
  • Participate regularly in account planning sessions to ensure familiarity with customer business
  • Processes

  • Ensuring the compliance of all internal and regulatory credit / other portfolio related policies in conjunction with the GAM.
  • Monitor risk triggers, covenants and other credit conditions and ad hoc credit reports appropriately preparing reports, escalation and take actions, as per policy / procedure.
  • Responsible for the front-to-end BCA process of assigned accounts as primary analyst by performing independent, forward looking credit analysis of current and prospective clients and act as a secondary analyst as needed.
  • Ensure zero BCA over dues and work to minimize extensions
  • People and Talent

  • Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.
  • Ensure ongoing training and development through E-learning and in-house training
  • Risk Management

  • Evaluation and understanding of risk associated with individual transactions, products, borrowers and counterparties.
  • Advise GAM / RM of any changes in limits to include but not limited to proposing limit increases or reducing exposures and promptly addressing queries.
  • Propose and assist with CTS completion for ISDA / CSA agreements through collaboration with RM / GAM.
  • Proactively monitor market data and risk triggers across the assigned portfolio.
  • In partnership with the GAM, ensure timely identification of accounts to be put in EAR / ASTAR as per the Bank’s policies and guidelines.
  • Preparing the EAR / ASTAR / Adverse news and SAARs reports based on their own research and inputs from GAM and circulation to relevant stakeholders as per policy / procedure.

    Governance

  • Conduct periodic portfolio reviews of assigned segment to assess creditworthiness and initiate ad hoc reviews for clients subject to adverse news or vulnerable to specific economic, market or regulatory events
  • Regulatory & Business Conduct

  • Display exemplary conduct and live by the Group’s Values and Code of Conduct.
  • Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank.
  • This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.

  • Lead the way to achieve the outcomes set out in the Bank’s Conduct Principles : *
  • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
  • Contribute to Stress tests requests-whenever required or requested by GAM / risk management .
  • Key Stakeholders

  • Cultivate and maintain close relationships with stakeholders in Risk, Legal and Compliance, including : (Internally) GAMs, RAMs, FAMs, Risk, CRC, MDU, Legal and Compliance, where relevant, product partners and FCC-where relevant and (externally) Clients, Rating Agencies, Market Data Services and research providers.
  • Our Ideal Candidate

  • Minimum of 4 years’ relevant experience gained either in banking, treasury or accounting environment.
  • Familiarity with assessing the credit risk of LATAM financial institutions.
  • Knowledge of emerging markets capital products and services.
  • Good analytical ability, focused on the assessment and calibration of credit risk
  • Strong verbal and written communication skills ( in English and Spanish ), with proven ability to work across cultures within a dynamic environment
  • Ability to discuss issues with individuals at all levels of the organization, as well as with clients
  • Well organized, able to multi-task and balance competing demands
  • Well organized, able to multi-task and balance competing demands.
  • MBA / CFA is desirable but not required
  • Visit our careers website

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