The Role ResponsibilitiesThe role holder will be responsible for managing a team alongside proactively managing the credit risk (monitoring and analysis) of a complex portfolio of Global Credit Markets (GCM) accounts in close co-ordination with the originating deal team.Strategy

• Actively support in managing the Global Credit Markets loan portfolio returns by minimising ECLs and RWA.
• Monitor client Credit Grades and recommend timely re-assessment as necessary
• Monitor LGD benefits remains in line with the benefits expected during deal origination
• The role holder will be responsible for proactively managing the credit risk (monitoring and analysis) of a portfolio of GCM accounts in close co-ordination with the originating deal team.

Business

• Proactive, comprehensive and timely credit analysis through BCA renewals, quarterly performance reporting, waiver and amendment requests and documentation of credit events;
• Ensure forward looking Credit analysis and make appropriate recommendations with regards to credit risk and de-risking opportunities.
• Ability to analyse Risk/Return analysis and optimise profits with recommendations being based on forward looking risks
• Evaluation and understanding of risks associated with Corporate Loans, Leverage and Acquisition Finance, Project and Export Finance, as well as Shipping and Aviation 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;
• Compliance with Bank policy and procedures

Processes and Risk Management

• Monitoring, reviewing and reporting (where required) of covenanted items to manage credit risk profile of the portfolio when making recommendations to credit; and
• Prepare/assist with periodic portfolio reporting including Portfolio Risk/Return analysis and profit optimisation
• Timely respond to portfolio related queries to other stakeholders in the Bank including any ad-hoc reporting requests;
• Ensure that credit files are complete and maintained to an auditable standard.
• Active participation in projects which will impact upon the GCM Portfolio

Governance

• Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
• Responsible for delivering \xe2\x80\x98effective governance\xe2\x80\x99; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.
• Accountable for escalation from Dubai PAM team and/or other Group governance committees or stakeholders in senior management, risk or control functions.
• For DIFC governance purposes, any actual or potential conduct, regulatory and/ or internal policy matters relating to DIFC based staff, or activities, must be escalated to the Head of FM MENAP for consideration and action if needed

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group\xe2\x80\x99s 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 PAM Team to achieve the outcomes set out in the Bank\xe2\x80\x99s Conduct Principles: 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.

Key stakeholdersInternal

• Credit / Risk
• GCM / FM Deal Teams
• RMs / GB Teams
• Ops \xe2\x80\x93 CRC, LDU, LPU/GLS

External

• Clients comprising AME portfolio

Other Responsibilities

• Embed Here for good and Group\xe2\x80\x99s brand and values in PAM globally.
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
• Multiple functions; responsibilities associated with the management of the Dubai PAM team are all laid out in this document.

Our Ideal Candidate

• Core Credit Curriculum Certified (internal SCB course) - not applicable for external candidates
• Bachelor\xe2\x80\x99s Degree with preferrable specialization in Finance
• Risk Mitigation, Financial Analysis, Financial Modelling
• Business Level English

Role Specific Technical Competencies

• Ability to undertake credit analysis and evaluation and understanding of risks associated with Global Credit Market deals
• Financial analysis of a complex customer base using credit skills; ratio analysis; balance sheet and cashflow analysis;
• Oral and written communication skills
• Able to analyse excel-based financial models;
• Risk Management and Internal Controls
• Manage Conduct
• Compliance - Governance, Oversight and Control
• Business - Strategy and Model
• Business - Market Knowledge
• People Management

About Standard CharteredWe\'re an international bank, nimble enough to act, big enough for impact. For more than 160 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
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

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, parental/maternity (20 weeks), sabbatical (12 weeks 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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