Associate Director / Associate - Portfolio Analysis and Monitoring

Job description / Role

The role holder will be responsible for proactively managing the credit risk (monitoring and analysis) of a complex portfolio of Leveraged and Structured Solutions (LSS) accounts and other Corporate Finance(CF) products in close co-ordination with the originating deal team.

Key Roles and Responsibilities

Credit Analysis
* Proactive, comprehensive and timely credit analysis through BCA renewals, quarterly performance reporting, waiver and amendment requests and documentation of credit events;
* Evaluation and understanding of risks associated with leveraged & project finance assets, structural, contractual and external risks;
* Financial analysis of a complex customer base using credit skills; ratio analysis; balance sheet and cashflow analysis;
* Evaluation of security, including parental support;
* Evaluation of project company management and strategy;
* Early detection of adverse credit issues and early alert reporting to credit as required;
* Completing financial spreads, analysing long term financial models and completing credit grade assessments; and
* Compliance with Bank policy and procedures.

Portfolio Management
* Monitoring, review and reporting (where required) of covenanted items;
* Quarterly portfolio reporting;
* Timely response to portfolio related queries to other areas in the Bank;
* Accurate and timely responses to ad hoc reporting requests;
* Ensure that credit files are complete and maintained to an auditable standard.
* Timeliness and quality of credit analysis;
* Early identification of adverse credit issues and reporting to credit as required;
* Protection of the credit risk profile of the portfolio when making recommendations to credit; and
* Timeliness and accuracy in reporting.

Requirements

* Credit analysis skills;
* Financial analysis skills;
* Able to analyse excel-based financial models;
* Must be sensitive to short time frames and be able to quickly assess and turnaround applications to credit;
* Excellent oral and written communication skills are required; and
* Ability to demonstrate initiative and can work with little supervision.

Others
* Core Credit Curriculum Certified

About the Company

Standard Chartered Bank started in 1958 in UAE with its first branch in Sharjah. The Group’s business gradually increased in Dubai with the opening of several branches and today, Dubai is the administrative hub of the Middle East and South Asia Region. In its 43rd year, the Bank enjoys the position of having the most extensive branch network among foreign international banks in UAE with 10 branches emirate-wide.

Standard Chartered is an international bank, focused on the established and emerging markets of Asia, Africa, the Middle East and Latin America with an extensive global network of more than 600 offices in over 50 countries. The three principal business groups are Global Markets, Personal Banking and Corporate and Institutional Banking.

In UAE, we are one of the leading banks, offering an extensive range of products and services for personal customers, local companies, multinational corporate and financial institutions.