Civil Supervisor ofertas em Emirados Árabes Unidos

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Director & Team Lead, Credit Analysts, MENA

Location : Dubai, AE

Area of interest : Corporate & Commercial Banking

This role could be based in UAE or Bahrain. When you start the application process you will be presented with a drop down menu showing all countries, please ensure that you only select a country where the role is based

• Provide leadership reinforcing commitment to structure and strong business focus. Be the mentor to the team, guiding them on career planning and progression, building a highly motivated team.
• Provide oversight on quality of credit analysis performed within the team. Address training needs holistically, provide coaching and encourage independent credit analysis. Monitor credit performance dashboard metrics and provide oversight on BCA TAT / overdues / refer backs, CaRT overdues, CA Efficiency etc.
• Develop industry and segment expertise within the team. Provide senior representation on relevant urgent transactions and be the joint owner with coverage on credit matters related to audit and Regulators.
• Identify and highlight issues faced by CAs and be the change agent to drive process improvement, working closely with credit, policy, COO and other stakeholders. Share best practices Globally with other CA heads.

Business

• To partner the team’s two key stakeholder communities, Client Coverage and Risk, supporting the former in developing and executing their client strategies and both in respect of credit analysis-relevant matters. Maintaining integrity in analysis at all times is critical.
• This includes frequent and iterative discussion with both Client Coverage and Risk around draft analysis, key sector / geographic trends, as well as discussion of covenants, risk triggers and the like. It involves proactive idea generation and discussion with Client Coverage around potential business opportunities for SCB, assisting both Client Coverage and Risk around transaction structuring and execution, where relevant, and identifying and alerting stakeholders of emerging risk aspects on a continuous basis

Processes

To provide portfolio management & deal execution of clients by applying a holistic approach to managing risk as follows :

• Assess a wide variety of counterparty, transaction, and general risk issues on a portfolio as well as client level basis by using both quantitative and qualitative skills. This will allow for early detection and remediation of broader level risk issues related to clients and assessing credit developments and trends at a country, regional and global level;
• In the course of credit and financial review, conduct credit intelligence to identify potential business opportunities with acceptable risk profile and relate the information to senior management for strategy discussions and cascading to respective coverage teams;
• Provide focused, timely, and value-added ongoing credit assessment and analysis and reports, with proactive monitoring of portfolio for adverse or positive developments, based on country, economic or industry events;
• Lead projects and coordinate sub-segment teams to ensure effective, disciplined, consistent and holistic approach to managing risk and maximizing business opportunities;
• Support growing the business and actively participate in the underwriting of new cross border deals and credit assessment of new and existing clients;

Credit Analysis (where applicable)

Timely drafting of credit analysis, such analysis should be insightful, relevant and succinct and include the following, inter alia :

• Discussion of the dynamics and nature of the Client’s industry, competitive positioning, including key risk aspects;
• Discussion of management strength, experience and track record and corporate governance more broadly;
• Articulation of the Client’s strategy and an assessment of its clarity and associated execution risks;
• Assessment of funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity;
• Assessment of balance sheet strength, alongside cash flow and profitability vulnerability, via ratio analysis and / or stress testing including a current / performance forecast expectation;
• Discussion of other pertinent risk aspects, including country risk, parental and / or governmental linkage / support, relative ranking of indebtedness, Fraud risk;
• Completion of Group Mandate / BCA Part 1, Part 2, financial spreads, scorecards, and other relevant BCA package attachments (including country specific regulatory checklist);
• Documentation support on credit aspects and working with IMO on BCA reworks;
• Testing and Monitoring CaRT;
• EAR & ASTAR reporting / updates to credit;

People & Talent

• Provide credit specific coaching to newer or less experienced members of the team
• Provide strong leadership to CA team ensuring independent, quality and timely credit analysis
• Manage team capacity catering to cyclical workloads - ensure timeliness by proactively planning capacity catering to cyclical demands and peak periods
• Develop training plans for team including induction pack for new joiners
• Support Business in the on ad hoc projects and strategic initiatives
• Continually strive to share key relevant knowledge and learning’s (lessons learnt from recent transactions / credit events) with other CA Heads
• Monitor metrics and demonstrate quality and timeliness on credit work
• Work with GAM and FAM teams to improve the management of limits and exposures across geographies; conduct comparative analysis of risk vs. return using portfolio data and provide recommendations for optimizing portfolios and use of capital;
• Partnering Relationship Managers in pursuing their client strategies through proactive idea generation, support in preparing materials for client discussion and through ensuring they are always fully briefed on key risk aspects;
• Partnering Risk through clear presentation of credit analysis as well as through proactive and considered discussion of key risk aspects;
• Accompanying Relationship Managers on client visits, as part of general due diligence in respect of credit analysis
• Conduct periodic portfolio reviews of assigned segment / industry to assess creditworthiness and initiate ad hoc reviews for clients subject to adverse news or vulnerable to specific economic, market or regulatory events;
• Coordinate and conduct Stress Tests and portfolio review exercises for periodic check on the health of the portfolio;
• Preparation of other analysis, such as Industry specific reviews, portfolio reviews, etc.

Governance

• Acting as a broader point of expertise in respect of credit aspects with Product and others across SCB;
• Ensure engagement with senior stake holders - country / regional business head (at least monthly) and country Credit teams (SCOs, at least quarterly) to align priorities and proactively address any issues;
• Cultivate, collaborate and maintain close relationships with respective internal partners, including respective Risk units, Legal, Compliance as well as IMO in the course of everyday business
• Manage the credit change process globally across teams when credit policy changes are enacted, analyze gaps and propose solutions that optimize execution;
• Coordinate regional / global efforts to ensure compliance with BCA / GM renewal policies, CaRT and other credit administration processes;
• Ensure zero BCA / credit review over dues and work to minimize extensions;
• Take end-to-end ownership of Service Level Agreements between CoE and spoke countries (where applicable) :

Timely renewal of SLAs between CoE and spoke countries; review with spoke country heads should be conducted prior to sign off

• Ensure that spoke countries log the signed SLA with their respective Group Outsourcing Inventory (GOI)
• Conduct regular review meetings with spoke countries to discuss feedback regarding the CoE’s performance and financial recharge update
• Ensure that financial recharge is performed as per agreed frequency and timing with the spoke countries; the financial recharge should be performed prior year end

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.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

Internal Relationships :

• GAMs, RAMs, FAMs
• Segment, Country, Regional and Global Heads
• Risk
• Legal, Audit and Compliance, where relevant
• COO Teams

External Relationships :

• Clients
• Other financial institutions
• Market Data Services providers

Other Responsibilities

• Adhoc as necessary

Skills and Experience

• Credit Analysis and Verification
• Risk Management – Internal Controls (SIF) and C&I Credit Risk
• Knowledge of Customers
• Addressing Customer Needs – Products and Processes
• Analytical Thinking
• Industry Knowledge
• Account Management

Experience & Skills :

• Minimum of10+ years’ relevant experience gained either in banking, treasury or accounting environment
• Prior experience in leading a multi-cultural team in a Global organisation
• Direct experience in assessing the credit risk of large segment dependent
• Knowledge of emerging markets capital products and services.
• Strong analytical ability focused on the assessment and calibration of credit risk
• Strong verbal and written communication skills (in English), with proven ability to work across cultures and within a dynamic environment
• Able to hold credible dialogue at all levels of the organisation, as well as with clients
• Well organized, able to multi-task and balance competing demands

Qualifications

Key requirements :

• Management and Leadership – Ability to prioritise, delegate, develop and motivate people.
• Analytical strength – to spot emerging risks, in particular forward-looking industry trends.
• Gravitas and communication – to engage with Relationship Managers, Clients and Management alike have the ability to challenge in a constructive manner.
• Collaborative – to work in partnership with stakeholders to ‘get things done’, fulfilling the Job Purpose.

Educational Qualification

• Post Graduates / or professional (e.g. CFA) qualification preferred, but not mandatory
• Sound knowledge of accounting and financial principles gained by experience or qualification
• Relevant language skills advantageous, but not required
• Pass CCC / FICC credit certification (or approved equivalent) within 6 months of start date or upon availability (if not available in this timeframe)

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.

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