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La Crosse, Wisconsin Full Time Posted: Thursday, 12 October 2017
 
 
Manage SCB America's Energy and Natural Resources (ENR) portfolio made up of approximately 45 US and inbound clients. The ENR group targets clients operating in the Upstream, Midstream, Downstream, Oilfield Services, EPC and Metals & Mining.

Act as primary analyst for assigned accounts and support fellow CAs for remaining accounts in the respective sub-segments. Responsible for the front-to-end business credit application (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, credit grades, as well as proactive monitoring of credit events, including:

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

* Evaluation and understanding of risk associated with individual transactions, products, borrowers and counterparties.

* Conducting annual credit review of assigned accounts and ensuring that respective GMs and BCAs are processed and successfully approved on schedule.

* Ensure zero BCA/credit review over dues and work to minimize extensions.

* Alerting/Escalating the issue to the GAM/RM & other stakeholders in case any of the Credit approval conditions have not been complied with within stipulated timelines.

* In partnership with the GAM, ensure timely identification of accounts to be put in Early Alert (EAR/ASTAR) as per the bank's policies and guidelines. Preparing the EAR/ASTAR/Adverse news report note for credit issues based on their own research and inputs from GAM and circulation to relevant stakeholders as per policy/procedure.

* Attend EAR/Portfolio meeting calls along with the relationship manager when needed.

* Support team efforts in preparing and responding to internal/external audits and regulatory exams.

* As part of the annual credit review, identify client limits that are not utilized or underutilized and escalate to management to initiate discussions with the respective GAM team.

* Actively participate in the management of excesses together with the client delivery team, including, but not limited to proposing limit increases or reducing exposures and promptly addressing queries from Risk.

* Plan and conduct credit due diligence of assigned accounts.

* Ensure receipt of Quarterly/Annual/Interim Financials for private clients (non-publicly traded) from GAM/client.

* Participate regularly in account planning sessions to ensure familiarity with customer business and contribute credit/risk opinions about client and industry.

* Contribute to the structuring of transactions in coordination with other stakeholders (eg, legal, FM, TB, RISK) including the corresponding RWA calculations.

* Propose and assist with negotiation of credit terms for ISDA/CSA agreements through preparation of Credit Term Sheets (CTS).

* Cultivate and maintain close relationships with stakeholders in Risk, Legal, and Compliance.

* 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.

* Proactively monitor market and industry data and risk triggers across the assigned portfolio.

* Take personal responsibility for complex transactions or complex relationships with assigned names.

* Contribute to Stress Tests requests (wherever required or request by GAM/Risk Management).

* Perform ad-hoc projects, as needed.

People and Talent

GAMs, RAMs, FAMs, CCMs
Risk, CRC
MDU, LDU, Legal Where relevant
Product Partners
FCC, where relevant

Risk Management

Conduct enhanced credit due diligence in order to achieve clear understanding of credit risks associated with new transactions. Prepare call reports on credit/risk related discussion, if the CATL or CA attended the meeting/discussion when in attendance.

Ensure compliance with all internal and regulatory credit/other portfolio related policies in conjunction with Global Relationship Managers (GAM) and Relationship Managers (RM) (eg preparing the Country portfolio standard checklist, Temasek check, other special reporting requirements, etc.).

As part of the annual credit review process, check for any gaps in credit documentation and escalate to RM team.

Raise and obtain necessary deferral/waiver approvals from risk approvers/senior management.

Monitor Risk Triggers, Covenants and other credit conditions and ad hoc credit reports appropriately - preparing reports, escalation, and take actions to GAM/Risk, as per policy/procedure. Monitor, in

Governance

Credit Approval Committee (CAC) Coordination - preparing a high quality submission for the respective clients including GM Part 1 and 2, requesting and following up on financial and credit information related to subsidiaries for the purpose of computing WACG and Group EL.

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 Americas Energy and Natural Resources team to achieve the outcomes set out in the Bank's Conduct Principles: which includes Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.
. Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
. Serve as a Director of the Board of : N/A

Key Stakeholders

GAMs, RAMs, FAMs
Risk, CRC
MDU, LDU, Legal Where relevant
Product Partners
FCC, where relevant

Other Responsibilities
To be determined

QUALIFICATIONS: Training, licenses, memberships and certifications

* Graduate degree and/or professional qualification preferred.
. Pass CCC/FICC credit certification (or approved equivalent) within 6 months of start date or upon availability (if not available in this timeframe).
. Sound knowledge of accounting and financial principles gained by experience or qualification

Key Roles and Responsibilities

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

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

* Evaluation and understanding of risk associated with individual transactions, products, borrowers and counterparties.

* Conducting annual credit review of assigned accounts and ensuring that respective GMs and BCAs are processed and successfully approved on schedule.

* Ensure zero BCA/credit review over dues and work to minimize extensions.

* Alerting/Escalating the issue to the GAM/RM & other stakeholders in case any of the Credit approval conditions have not been complied with within stipulated timelines.

* In partnership with the GAM, ensure timely identification of accounts to be put in Early Alert (EAR/ASTAR) as per the bank's policies and guidelines. Preparing the EAR/ASTAR/Adverse news report note for credit issues based on their own research and inputs from GAM and circulation to relevant stakeholders as per policy/procedure.

* Attend EAR/Portfolio meeting calls along with the relationship manager when needed.

* Support team efforts in preparing and responding to internal/external audits and regulatory exams.

* As part of the annual credit review, identify client limits that are not utilized or underutilized and escalate to management to initiate discussions with the respective GAM team.

* Actively participate in the management of excesses together with the client delivery team, including, but not limited to proposing limit increases or reducing exposures and promptly addressing queries from Risk.

* Plan and conduct credit due diligence of assigned accounts.

* Ensure receipt of Quarterly/Annual/Interim Financials for private clients (non-publicly traded) from GAM/client.

* Participate regularly in account planning sessions to ensure familiarity with customer business and contribute credit/risk opinions about client and industry.

* Contribute to the structuring of transactions in coordination with other stakeholders (eg, legal, FM, TB, RISK) including the corresponding RWA calculations.

* Propose and assist with negotiation of credit terms for ISDA/CSA agreements through preparation of Credit Term Sheets (CTS).

* Cultivate and maintain close relationships with stakeholders in Risk, Legal, and Compliance.

* 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.

* Proactively monitor market and industry data and risk triggers across the assigned portfolio.

* Take personal responsibility for complex transactions or complex relationships with assigned names.
..... click apply for full job details

La Crosse, Wisconsin, United States of America
Finance
Sun, 17 September 2017 23:00:00 EST
Standard Chartered Bank
Standard Chartered Bank
JS2201711/282266419
10/12/2017 3:26:56 PM

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