Lead CA team to

• execute day to day activities on client credit risk analysis in accordance with the credit risk policies and procedures of the Bank
• perform timely drafting of credit analysis, taking into consideration the dynamics and nature of the client’s industry, including but not limited to:

o Risk aspects surrounding industry and business operation
o Client’s competitive positioning within industry
o Client’s funding strategy, financial policies and treasury activities (hedging, cash management etc)
o Client’s cash flow and liquidity by performing ratio analysis and/or stress testing (e.g. balance sheet strength, cash flow and profitability vulnerability)
o Impact of reputational, climate and sustainability risks on the client’s risk profile

• develop current/forward year base forecast performance expectation for client credit analysis
• perform periodic checks on existing clients’ credit assessment, portfolio reviews and regular compliance checks, and keep management abreast of early warning signals
• prepare country-specific regulatory checklists and the required checklists as per the Group’s policies
• work with R&C and RM teams to achieve satisfactory result of internal audit, Credit Risk Review and regulatory audit

Business
Lead CA team to directly support to RM teams on the Credit Functions on all credit related matters:

• Arrange CA resource to provide timely credit analysis - client’s industry, competitive position, management strength, financial standing including but not limited to income statement, balance sheet, cash flows etc, and risk analysis.
• Oversee CAs to complete Group Mandate (GM), Business Credit Application (BCA) Part 1, Part 2 (Credit Profile), financial analysis/spreading, scorecards, ESRA, RSRMA, fraud risk assessment, climate risk assessment, BCA/Project Finance checklist, HKMA checklist, Connected Clients checklist, and other required information for GM/BCA package.
• Work with Group Climate Risk and local Risk team as the Country Lead in Business for Climate Risk related project and regulatory requirement for TCFD.
• Ensure CA team’s process and GM/BCA preparation complies with the Group’s credit policy and procedure
• Lead CA team to work with RM team to conduct quarterly portfolio review or ad-hoc portfolio review
• Participate client calls or site visits along with RMs/CAs/Credit
• Lead CA team ‘s regular or ad-hoc project along with local or regional stakeholders (where appliable)

Processes

• Lead CA team to work with RMs to manage RWA and Ro RWA requirement with timely update of the client’s Credit Grade
• Provide suggestion and engage relevant stakeholders to simplify internal process
• Prepare timely stress test or portfolio review on the client’s credit risk or other risk wherever required
• Provide support on regulatory stress test wherever required
• Prepare specific industry research and study wherever required
• Ensure satisfactory completion of internal audit, Credit Risk Review and regulatory audit
• Monitor the completion BCA/GM renewals, Ca RT monitoring and Local Endorsement/EAC or Board approval requests wherever required

People & Talent

• Guide junior CA and new joiner to be familiar with the Group’s credit policies and BCA/GM preparation procedure
• Design and implement development plan for CAs (where appliable)
• Design and implement CA team’s succession plan and retention plan (where appliable)

Risk Management

• Supervise the review of Country Risk Appetite and Country Portfolio Guidance
• Ensure timely submission of quality Quarterly Credit Reports
• Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
• Achieve zero BCA over dues caused by CAs
• Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries
• Attend EA or Portfolio Review meetings along with CIB Client Coverage Senior/RMs/CAs
• In partnership with RM and Credit teams, ensure timely identification of accounts to be put in EA as per the Bank’s policies and guidelines

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group’s Valued Behaviours 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’s Valued Behaviours and Code of Conduct.
• Effectively and collaboratively identify, escalate, mitigate and resolve conduct and compliance matters.

Key stakeholders

• Global or Regional or Country CIB Client Coverage and Product partners e.g. RM, GAM/FAM, FM and TB
• Global or Regional or Country Function partners e.g. Risk, Compliance, Legal, COO, HR, Finance and Corporate Affairs
• Global or Regional or Country management team members e.g. Taiwan CEO office

Other Responsibilities
Embed Here for good and Group’s brand and values in Taiwan CIB Client Coverage/Credit Analyst Team

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