Job Summary

• To seek providing solution as "Solution Provider" in relation to Credit Matters on behalf of Global Account Manager (GAM) team.
• Overall responsible and accountable for the credit quality of the assigned portfolio with assisting GAM.
• Preparation of Credit Package such as Group Mandate (GM)/Business Credit Application (BCA), including GM/BCA write up for risk assessment / financial analysis, Credit Risk Grade Matrix (scorecard). Take lead and coordinating with GAM team to conduct timely review of credit facilities.
• Analyze, evaluate and make judgments regarding the credit quality of counterparties. Assess individual counterparty and overall credit portfolio risk, and evaluate or establish mitigation of risks.
• Coordinate between GAM teams and credit approvers to facilitate customer business through managing credit applications and structuring processes to enable transactions or deals deemed appropriate for the bank.

Responsibilities
Strategy

• Make independent credit assessment to protect Bank as well as GAM team
• Proactively communicate with stakeholders (Relationship Manager (RM), Head of Credit Analysis, Financial Institution (FI) approver) to coordinate the credit approval process and meet deadlines.
• Monitor counterparties on an ongoing basis, do not wait until the next annual review to probe changes in the credit quality of counterparties.
• Write high quality credit applications: concise, with a clear message, a logical structure and an appropriate use of figures to support .

Business

• Serve as trusted advisors on credit related issues and credit policy procedures, regulatory requirements in relation to credit risk matters for RM. Assist new GAM / Assistant Relationship Manager (ARM) in familiarizing themselves with SCB policies, procedures and processes.
• Work closely with GAM and support on-boarding process in relation to risk assessment & financial analysis part. Oversee the quality & turnaround of credit proposal and ensure faster delivery.
• Update underwriting standards with GAM teams.

Processes

• Responsible for the end-to-end BCA/GM process, in partnership with GAM, and take lead to conclude the approval of the BCA/GM with appropriate scheduling. 2.Ensure that all applications conform to Bank policy & procedures, regulatory requirements, and are approved at the proper senior authority level. 3.To periodically monitor conditions / covenants and risk triggers, to ensure their compliance. 4.To report any breaches to Risk as and when they happen, and coordinate with GAM to implement corrective actions. 5.Review Early Alert Report (EAR), Accounts Subject To Additional Review (ASTAR), Conditions, Covenants and Risk Trigger (CCRT) etc with GAM to ensure discipline and quality in portfolio. 6.Prepare Early Alert (EA) Report and other credit memos in case of needs for Credit Issue Committee.7. Attend various external meetings or internal meeting like Credit Issue Committee, Japan Credit Committee, Counter Party Credit Risk Forum calls (in case of needs), Portfolio Review Meetings.8. To support Head of Credit Analysis at internal / external audit, regulatory inspection in case of needs.

People & Talent

• Prioritize workflow appropriately through close liaison with GAM and approvers. 2.Prepare quality credit applications meeting standards of quality and accurateness set by senior managers.
• Visit/meet customers when required to achieve clear understanding of credit risks.

Risk Management

• To periodically monitor conditions / covenants and risk triggers, to ensure their compliance. To report any breaches to Risk as and when they happen, and coordinate with GAM to implement corrective actions. Update Corporate approver /Trade Counterparty Risk Management and other relevant units of customer/industry developments.
• Prepare/supervise management and external reports.
• Improve the efficiency and effectiveness of the credit process through suggestions to Head/Sales managers.
• Develop specific industry knowledge to facilitate the credit process.
• Report and get proper approval for any breaches of the bank's laid down procedure/credit limits/credit policy.
• Change credit grade as and when appropriate.
• Respond to credit inquiries. Good communication skills with management, RMs as well as with FI approvers
• Undertake additional projects or assignments when delegated by Head of Credit Analysis.
• Despite main coverage of own Sector, support credit applications / credit monitoring of other analyst's sector in case of needs.
• Reply Credit Information request from overseas subs/branches.
• Prepare Environmental and Social Risk Assessment (ESRA), Fraud Risk Analysis, Climate Risk Analysis upon data & analysis from Climate Analysis team, Cat2/3 substantiation and seek approval from Credit Approver or ESRM (Environmental and Social Risk Management) team of needed.

Governance

• Duly comply with both SCB internal policies/procedures and local regulatory requirements. Failure to comply with internal policies/procedures and/or local regulatory requirements may lead to disciplinary action which could results in dismissal

Regulatory & Business 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.
• Proactively contribute to Japan / Corporate & Investment Banking (CIB) / Credit Analyst (CA) team to achieve the outcomes set out in the Bank's Conduct Principles: [Financial Crime Compliance; The Right Environment.]
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• To observe local regulation imposed by Japan Financial Services Agency (JFSA), Bank Of Japan (BoJ)

Key Stakeholders

• RM, Credit Approvers, Product Partners as well as Head of Credit Analysis Japan

Our Ideal Candidate

• Education: Strong credit and financial analysis, through of hands-on credit experience, other financial analysis or advanced credit training. Effective interpersonal skills with ability to explain and convince peer groups/seniors of credit risk assessments and views on clients and industries.
• Training: Knowledge and use of Standard Chartered Bank (SCB) credit platforms (Creditmate, Financial Spreads, Scorecard, etc.). A good understanding of various commercial banking products, risks, loan / derivative documentations.
• Certifications: Pass Financial Institution Risk Certification (FIRC) after joining SCB
• Languages: A high level of oral and written English / Japanese communication skills (JLPT N1 above) and strong interpersonal skills.

Role Specific Technical Competencies

• Strong credit and financial analysis, through of hands-on credit experience, other financial analysis or advanced credit training.
• Proactively communicate with stakeholders (RM, Head of Credit Analysis, Corporate or FI approver) to coordinate the credit approval process and meet deadlines.
• Nurture an independent mind, weigh the pros and cons of credit applications and do not bow to pressure from Sales.
• Monitor counterparties on an ongoing basis, do not wait until the next annual review to probe changes in the credit quality of counterparties.
• Write high quality credit applications: concise, with a clear message, a logical structure and an appropriate use of figures to support text.
• Timeliness of credit applications, credit reviews and credit approvals to observe deadline of the review date.

About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together We

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

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
• 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.