SCB - Lead Analyst

Work with team of onshore analysts to cover credit risk monitoring for Financial Institutions portfolio

• Reviewing credit reports and financial models submitted by portfolio monitoring team based on fundamental analysis for a set of assigned credits/companies
• The credit assessment review requires the following:
  • Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile.
  • Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments.
  • Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations.
  • Preparing and updating detailed financial models encompassing financial analysis, and calculation of key ratios
• Determine and recommend ratings to the entity based on the internal rating framework and methodology.
• Regular interaction with client to discuss reports as well as workflow
• Support the client with any ad-hoc research requests including sector research
• Engage with client teams proactively and suggest new ideas to enhance client engagement
• Train new hires and mentor juniors in the team

FUNCTIONAL & BEHAVIOURAL KNOWLEDGE

• Experience in deal financial modeling/ surveillance/ portfolio monitoring and credit analysis
• Experience in working in credit risk divisions and understanding of review and challenge roles
• Good understanding of banking regulations, calculation of key credit metrics and capital ratios
• Reasonable understanding of banks internal systems

MINIMUM & PREFERRED EDUCATION

MBA or CA or Master’s degree preferred; CFA certification is a plus

MINIMUM & PREFERRED EXPERIENCE / SKILLS

7-9 years of work experience preferable in credit risk/credit research

High level of attention to detail and accuracy; Diligence and hard work

Organization skills and the ability to manage and prioritize workload

Good understanding of MS office products