Senior Credit Manager, Specialised Finance Risk, Securitisation - Geylang

JOB SUMMARY

An expansive role in Specialised Finance Risk, managing credit risk, within the second line of defence. A business aligned function partnering the Corporate & Investment Bank - Global Markets - Credit Trading business in the public and private securitisation market; namely ABS, CLO, MBS and middle-market lender finance.

RESPONSIBILITIES:

• Awareness and understanding of the business, economic and market environment in which the Group operates.
• Identify, measure, and monitor material risk affecting Specialised Finance portfolio in the context of the external market environment.
• Maintain and develop the risk capabilities, and skills to meet ongoing business needs and plans.
• New transaction deal screening and due diligence, with the ability to unpack complex situations or niche sectors to find out-of-box solutions, and value creation for clients.
• Influence business and / or support senior credit risk officers for best-in-class underwriting with a deep dive into market analysis and rating agency methodologies.
• Conduct new transaction request due diligence with expert judgement on asset portfolio risk, structural mitigants, originator and servicer analysis, supporting cashflow stress testing, operational risk assessments and liquidity / asset realisation assessment.
• Review Business Credit Applications, ensuring these are in line with internal Credit Underwriting Principles, and a timely submission for credit approval.
• Independently critique and recommend / approve credit and rating proposals, in line with defined risk parameters, negotiated credit terms and documentation review.
• Dynamically manage a portfolio of asset classes and credit risk counterparties (often bespoke) in the global portfolio, understand the client by geography, industry, and structural differences.

• Pro-actively manage transactions ahead of credit deterioration (Early Alert Review) with detection through portfolio reviews, adhering to industry strategies, market monitoring, and lessons learned.

Key Stakeholders:

• Specialised Finance Risk and other Credit Officers.
• Risk Committees and Risk Management team.
• Credit Trading and Credit Analysts.
• Group Control functions.
• Internal Audit.

Our Ideal Candidate:

• Seasoned credit professional with 10 + years of experience in the structured credit markets of asset-backed financing in securitisation.
• Experience in warehouse, asset-based finance and traded asset backed securities, across geographies and asset type (ABS, CLO, RMBS).
• Strong understanding of credit risk, financial analysis, structuring, stress testing and jurisdiction risk, and their application in lending decisions for single counterparty credit risk appetite.
• Able to manage credit risk appetite with early-stage deal screening, detailed due diligence, and timely execution of transactions with credit memo analysis and independently written Risk recommendations.
• Experience gained from an investment bank or a structured finance group of a major international organisation and a relevant degree from a top-tier university including associated professional qualifications.

• CIB Credit Risk
• Manage Risk
• Product Knowledge
• Business Partnering
• Operational Risk

About Standard Chartered

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

• 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.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers