Standard Chartered Bank Recent Job Openings

Standard Chartered Bank – We’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. As a leading international bank, we strive to help people and businesses prosper across Asia, Africa and the Middle East.

We are recruiting to fill the position below:

Job Title: Associate Principal, Credit Analyst

Job ID: 2300019578
Location: Nigeria
Schedule: Full-time
Employee Status: Permanent

Job Summary

• To provide insightful, relevant, succinct and timely credit analysis of a portfolio of SCB’s clients (current or prospective).

Responsibilities
Strategy:

• This includes responsibility for proposing counterparty credit grades via the relevant scorecard, and ongoing monitoring for credit-material events. While the portfolio will be industry / geography specific in focus, the role extends to analysing other clients as may from time to time be required
• Insightful: Attuned to the needs of two audiences – Client Coverage and Risk – the analysis should provide a forward-looking, focused opinion on the likely development of both business and financial risk elements in their industry / geographic context together with a calibrated articulation of key risks and potential mitigants thereto.
• Relevant: As well as a holistic counterparty assessment, analysis should comment on structural elements relevant to SCB’s existing or proposed exposure such as guarantee and security arrangements
• Succinct: While always providing sufficient granularity to substantiate its conclusions and observations, the analysis should present opinion in as structured and succinct a manner as is practical
• Timely: While focused on the prescribed annual review cycle, analysis will also be required where material new exposure is being considered by Client Coverage. In addition, more summary analysis should be produced and disseminated quickly, where relevant.

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.

Processes:
Timely drafting of credit analysis as directed by the relevant Team Leader. Such analysis should be Insightful, Relevant and Succinct (see Strategy) and include the following, inter alia:

• Discussion of the dynamics and nature of the Client’s industry, including key risk aspects;
• Assessment of the Client’s competitive positioning within its industry;
• 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;
• Development of a current / forward year base forecast performance expectation;
• Assessment of balance sheet strength, alongside cashflow and profitability vulnerability, via ratio analysis and/or stress testing;
• Discussion of other pertinent risk aspects, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness, Fraud risk;
• Evaluation of risks associated with particular proposed transactions, where required;
• Completion of Group Mandate/BCA Part 1, Part 2, financial analysis/spreads, scorecards;
• Ensure use of appropriate calculator in alignment with Credit Policy for relevant approvals (e.g. Raptor, Group Aggregation Calculator);
• Complete ESRA (Environment and Social Risk Assessment) Checklist;
• For Cat 2 lines, complete Financial Markets Appropriateness and GWWR Attribute checklist;
• For Cat 2 lines, Credit Term Sheet updates based on RM/Risk feedback;
• Supporting business on structuring deals;
• Documentation support on credit aspects and working with IMO on BCA reworks;
• Testing and Monitoring Covenants & Risk Triggers;
• EAR & ASTAR reporting/updates to credit;
• Seek pre-approval endorsements(where applicable);
• Preparing country-specific regulatory check-lists (where applicable);
• Credit stress testing
• CCC Certification
• Preparation of other analyses as directed by the relevant Team Leader, such as industry-specific reviews, portfolio reviews, assessments of new prospects etc.

People & Talent:

• Support CA Team Leaders and others in the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the team’s activities
• Continually strive to share key relevant knowledge and learnings with others across the team
• Provide credit specific coaching to newer or less experienced members of the team

Risk Management:

• In respect of Clients where the role-holder is assigned as analyst:
• Proactive monitoring of key entity or industry wide events and/or developments, as well as of covenants and risk triggers where applicable
• 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 and proposed credit grading, 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
• Acting as a broader point of expertise in respect of credit aspects with Product and others across SCB

Governance:

• 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.

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.
• Lead to achieve the outcomes set out in the Bank’s Conduct Principles
• Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association

Key Stakeholders
Internal Relationships:

• GAMs, RAMs, FAMs
• Risk
• Product partners
• CDD, where relevant
• Legal, Audit and Compliance, where relevant
• Physical Commodity Operations, where relevant

External Relationships:

• Clients
• Rating Agencies
• Market Data service providers

Our Ideal Candidate

• Education: Graduates / graduate caliber
• Sound knowledge of accounting and financial principles gained by experience or qualification
• MBA or CFA qualifications are advantageous, but not required
• Languages: English

Role-Specific Technical Competencies

• Credit Analysis
• Industry knowledge
• Business risk Analysis
• Review of financial statements
• Financial projection and modeling

Application Closing Date
28th November, 2023; 11:59:00 PM.

How to Apply
Interested and qualified candidates should:
Click here to apply online

Job Title: Analyst, Customer Experience

Job ID: 2300019859
Location: Nigeria
Employment Type: Full-time

Job Summary

• Ensure adherence to the Group Retail Banking Complaints Handling Procedures and Country Complaints Department Operational Instructions (DO).
• Ensuring timely processing of complaints logged in Client Experience Management Systems (CEMS) and client feedback forms, by calling clients, escalating to relevant department/individual/branch and contacting the client with a satisfactory resolution in a timely manner to deliver on Complaints Resolution Unit (CRU) and Retail Banking turnaround time.
• Ensuring that all complaints logged in CEMS are properly logged and follow the required work flow.
• Contacting the client to confirm accuracy of complaint logged in CEMS as well as completeness of client information provided.
• Ensuring timely data entry on updates of actions taken to resolve the complaint in CEMS.
• Contacting the client to advice on resolution of complaint /feedback, ensuring that the client is satisfied.
• Ensure to escalate High priority issues within 24hrs
• Reviewing operational processes with the CRU team to identify opportunities to fix root causes, streamline and improve services and minimize turnaround time.
• Identifying areas of weakness in service quality standards and recommending suitable options to improve the quality of service.
• Participating in service improvement initiatives and activities.
• Ensure maintenance of a healthy business environment through strict compliance with AML/CDD standards as defined by the Group and Local Regulatory Authorities. Participate in and/or support the bank’s effort in combating money laundering activities.
• Participating in team review meetings and activities.

Responsibilities
Strategy:

• Work in full collaboration with the Team to achieve desired results in resolving complaints timely.

Processes:

• Ensuring timely processing of complaints logged in CEMS and client feedback forms, by calling clients, escalating to relevant department/individual/branch and contacting the client with a satisfactory resolution in a timely manner to deliver on CRU and Retail Banking turnaround time.

Risk Management:

• Ensure maintenance of a healthy business environment through strict compliance with AML/CDD standards as defined by the Group and Local Regulatory Authorities. Participate in and/or support the bank’s effort in combating money laundering activities.

Governance:

• Ensure adherence to the Group Retail Banking Complaints Handling Procedures and Country Complaints DOI.
• Ensuring that all complaints logged in CEMS are properly logged and follow the required work flow.

Regulatory & Business Conduct:

• Display exemplary conduct and live by the .
• 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:

• All internal and external clients

Other Responsibilities:

• Embed Here for good and Group’s brand and values in Nigeria/ CPBB/ CRU
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures

Our Ideal Candidate

• A minimum of First Degree from a University or HND from a Polytechnic in any discipline.
• NYSC Completion certificate or exemption certificate
• Candidates who hold a 3rd class or a pass in HND in any polytechnic must have a PGD qualification or relevant professional certification e.g. MBA, MA or any relevant professional certification.

Role Specific Technical Competencies:

• Computer skills
• Business Communication
• Data Analysis
• Products Knowledge
• Interpersonal skills
• Problem solving
• Time management.

Application Closing Date
5th December, 2023 (12:59:00 AM).

How to Apply
Interested and qualified candidates should:
Click here to apply online