Credit Analyst, Financial Institution

2 semanas atrás

São Paulo, Brasil Standard Chartered Bank Tempo inteiro

Role Responsibilities

Job Role

Proactively assist in resolving issues in the everyday credit management of the respective assigned portfolio and escalate whenever necessary to ensure quick resolution.

Supervise and coordinate workload for direct report. Own portfolio should be comprised of lower rated / high exposure accounts or deteriorating credits.
Act as primary credit analyst for assigned accounts and support fellow LATAM FI Credit Analysts as required. Responsible for the management of Brazilian Financial Institutions portfolio as well as other LATAM regional countries, as needed.

This includes the front-to-end business credit application (BCA) process by performing independent, forward looking credit analysis of current and prospective clients.

Act as a primary analyst for assigned accounts and secondary analyst for remaining accounts in the Bank / Broker-Dealer segment. Responsible for the front-to-end BCA process of assigned accounts as primary analyst by performing independent, forward looking credit analysis of current and prospective clients and act as a secondary analyst as needed. Plan and conduct the overall credit process for assigned primary accounts with respect to assessments of risks, credit papers, assignment and monitoring of limits, credit grades, as well as proactive monitoring of credit events.

Strategy

Financial analysis of customers using credit skills, ratio analysis, evaluation of security and collateral, evaluation of parent support policies, judgment of management and strategy. Take personal responsibility for execution of complex transactions or managing complex relationships with assigned names.  Participate regularly in account planning sessions to ensure familiarity with customer business.

Business

Ensure compliance of all internal and regulatory credit/other portfolio related policies in conjunction with GAM. Contribute to the excess report process, including, but not limited to proposing limit increases or reducing exposures and promptly addressing queries. Participate regularly in account planning sessions to ensure familiarity with customer business. Visit / meet customers to conduct credit due diligence of new customers with credit lines as part of the onboarding credit review process. Conduct enhanced credit due diligence in order to achieve clear understanding of credit risks associated with new transactions. Prepare call reports on credit / risk related discussion. Propose and assist with negotiation of credit terms for ISDA/CSA agreements through preparation of Credit Term Sheets (CTS). Cultivate and maintain close relationships with stakeholders in Funds Risk, Legal, and Middle Office. Conduct periodic portfolio reviews of assigned segment to assess creditworthiness and initiate ad hoc reviews for clients subject to adverse news or vulnerable to specific economic, market or regulatory events. Proactively monitoring market data and risk triggers across the assigned portfolio. Take personal responsibility for complex transactions or complex relationships with assigned names. Contribute to Stress Tests requests. Perform ad-hoc projects, as needed.

Processes

Ensuring the compliance of all internal and regulatory credit / other portfolio related policies in conjunction with the GAM. Monitor risk triggers, covenants and other credit conditions and ad hoc credit reports appropriately – preparing reports, escalation and take actions, as per policy / procedure. Responsible for the front-to-end BCA process of assigned accounts as primary analyst by performing independent, forward looking credit analysis of current and prospective clients and act as a secondary analyst as needed. Ensure zero BCA over dues and work to minimize extensions.

People and Talent

Embed Here for good and Group’s brand and values in Financial Markets globally Build strong and cooperative working relationship with other stakeholders in the bank. Contribute to continuous process improvement and sharing best practice

Risk Management

Abide by the Bank’s RM Framework. Proactively monitor market data and risk triggers across the assigned portfolio. In partnership with the GAM, ensure timely identification of accounts to be put in EAR / ASTAR as per the Bank’s policies and guidelines. Preparing the EAR / ASTAR / Adverse news report note based on their own research and inputs from GAM and circulation to relevant stakeholders as per policy / procedure.

Governance

Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role. Conduct periodic portfolio reviews of assigned segment to assess creditworthiness and initiate ad hoc reviews for clients subject to adverse news or vulnerable to specific economic, market or regulatory events.

Regulatory and 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

GAMs, FAMs Risk, CRC MDU, Legal and Compliance, where relevant Product partners FCC, where relevant

External Relationships

Clients (Existing and potential new clients)

Our Ideal Candidate

Bachelor's degree with concentration in Finance, Accounting and other related fields. Advanced Certification is a plus (MBA / CFA). Minimum of 2 years' relevant experience gained as a credit / equity analyst, including minimum of 1 years covering banks and broker / dealers and other NBFIs. Strong understanding of Bank, Broker / Dealer and CCP business mixes and embedded risks associated with their investments and operations. Proven history of performing financial statement analysis and conducting bank and broker/dealer credit due diligence reviews. Ability to effectively manage competing deadlines for projects in a dynamic work environment, with varying degrees of supervision. Strong attention to detail and ability to notice discrepancies in data. Strong verbal and written communication skills, with proven ability to work across cultures and within a dynamic environment.

Role Specific Technical Competencies

Strong knowledge of bank, broker / dealer and wider NBFI industries Strong credit analytical skills, including but not limited to financial statement analysis, industry analysis, credit due diligence process Ability to work well with other team members and stakeholders MS Excel, Word and Access Financial market, especially FX

­

  • Financial Analyst

    3 semanas atrás

    Sao Paulo, Brasil Metal Toad Tempo inteiro

    As the **Financials Analyst** of Inflection Point LLC and affiliated entities, you will work on accounting and finance-related projects for the company and its clients. An ideal **Financials Analyst** is a positive, hands-on, self-driven, detail-oriented, responsive person with strong problem-solving and communications skills. This is a **contractor**...

  • Financial Senior Analyst

    Há 14 horas

    São Paulo, Brasil L - founders of loyalty Tempo inteiro

    Job Description We are seeking a skilled Senior Financial Analyst to join our team and support our Finance department in various financial activities.

  • Credit/Collections Analyst

    Há 2 dias

    São Paulo, Brasil Red Hat Software Tempo inteiro

    About the job The Red Hat Finance team is seeking a Credit and Collections Analyst to create financial statement analyses and maintain appropriate credit limits for potential and existing customers. This will involve examining financial statements, analyzing the past business record with Red Hat, and communicating with stakeholders; mainly each local...

  • Credit/collections analyst

    Há 2 dias

    São Paulo, Brasil Global Tempo inteiro

    about the job the red hat finance team is seeking a credit and collections analyst to create financial statement analyses and maintain appropriate credit limits for potential and existing customers. this will involve examining financial statements, analyzing the past business record with red hat, and communicating with stakeholders; mainly each local...

  • Financial Senior Analyst

    Há 16 horas

    São Paulo, Brasil L - founders of loyalty Tempo inteiro

    Job DescriptionWe are seeking a skilled Senior Financial Analyst to join our team and support our Finance department in various financial activities. As a Senior Financial Analyst, you will play a key role in financial planning, analysis, and reporting to drive strategic decision-making and enhance financial performance.ResponsibilitiesThe successful...

  • Credit Risk Analyst

    Há 5 dias

    São Paulo, Brasil HSBC Tempo inteiro

    ·Monitoring of the commercial banking portfolio of corporate clients through the preparation of Global Annual Reviews (GARs), Local Entity Reviews (LERs), One-Off Proposals, Quarterly Financial Updates, Financial Projections, among other credit portfolio monitoring’ activities; ·Close interaction with Relationship Managers, Risk Approvers and Credit...

  • Financial Senior Analyst

    1 dia atrás

    São Paulo, Brasil L - founders of loyalty Tempo inteiro

    Job Description We are seeking a skilled Senior Financial Analyst to join our team and support our Finance department in various financial activities. As a Senior Financial Analyst, you will play a key role in financial planning, analysis, and reporting to drive strategic decision-making and enhance financial performance.Responsibilities The successful...

  • Financial Senior Analyst

    Há 16 horas

    são paulo, Brasil L - founders of loyalty Tempo inteiro

    Job Description We are seeking a skilled Senior Financial Analyst to join our team and support our Finance department in various financial activities. As a Senior Financial Analyst, you will play a key role in financial planning, analysis, and reporting to drive strategic decision-making and enhance financial performance. Responsibilities The successful...

  • Financial Senior Analyst

    Há 15 horas

    São Paulo, Brasil L - founders of loyalty Tempo inteiro

    Job Description We are seeking a skilled Senior Financial Analyst to join our team and support our Finance department in various financial activities. As a Senior Financial Analyst, you will play a key role in financial planning, analysis, and reporting to drive strategic decision-making and enhance financial performance.Responsibilities The successful...

  • Financial Senior Analyst

    Há 16 horas

    São Paulo, Brasil L - founders of loyalty Tempo inteiro

    Job Description We are seeking a skilled Senior Financial Analyst to join our team and support our Finance department in various financial activities. As a Senior Financial Analyst, you will play a key role in financial planning, analysis, and reporting to drive strategic decision-making and enhance financial performance. Responsibilities The successful...

  • Financial Senior Analyst

    Há 17 horas

    São Paulo, SP, Brasil L - founders of loyalty Tempo inteiro

    Job Description We are seeking a skilled Senior Financial Analyst to join our team and support our Finance department in various financial activities. As a Senior Financial Analyst, you will play a key role in financial planning, analysis, and reporting to drive strategic decision-making and enhance financial performance. Responsibilities The...

  • Financial Senior Analyst

    1 dia atrás

    São Paulo, SP, Brasil L - founders of loyalty Tempo inteiro

    Job Description We are seeking a skilled Senior Financial Analyst to join our team and support our Finance department in various financial activities. As a Senior Financial Analyst, you will play a key role in financial planning, analysis, and reporting to drive strategic decision-making and enhance financial performance. Responsibilities The...

  • Credit/collections Analyst

    Há 2 dias

    Sao Paulo, Brasil Red Hat Software Tempo inteiro

    About the job: The Red Hat Finance team is seeking a Credit and Collections Analyst to create financial statement analyses and maintain appropriate credit limits for potential and existing customers. This will involve examining financial statements, analyzing the past business record with Red Hat, and communicating with stakeholders; mainly each local credit...

  • Financial Analyst

    3 semanas atrás

    Sao Paulo, Brasil Munich Re Tempo inteiro

    **Financial Analyst**: **Company** Munich Re **Location** São Paulo, Brazil The Financial analyst works in the Financial department of Munich Re Brazil, in close collaboration with the finance team and supports on the Accounts Payables/Receivables, Admin expenses processes and monitoring, as well as the Investment related activities of the subsidiary. You...

  • Financial Analyst Iii

    3 semanas atrás

    Sao Paulo, Brasil Thermo Fisher Scientific Tempo inteiro

    **FP&A Analyst in charge of financial reporting, support to commercial leadership team in LATAM,** **financial shared services in LATAM and AIG Divisional teams.** Main activities (but not only): - Budget and forecast activities. - Deliver standard reporting solutions to drive, support and enable the business strategic and tactical - roadmap for Latin...

  • Financial Analyst

    Há 7 dias

    Sao Paulo, Brasil TIAA Tempo inteiro

    Financial Analyst The Financial Analyst performs variety of intra and inter function activities, and is designed to work closely with the Portfolio Manager and Property Coordinator to support and add value to the Asset & Investment Management (AIM), and also the other support functions (i.e. Legal & Compliance and Finance & Accounting), through either...

  • Wholesale Credit Manager

    2 semanas atrás

    São Paulo, Brasil GM Financial Tempo inteiro

    Why GMF? GM Financial International Operations conducts business in Latin America and China. International Operations offers a wide range of wholesale and retail automotive financing products to dealers and their customers. The strength of the international business lies in its ability to tailor its products to meet unique dealer needs, consumer...

  • FP&A Finance Analyst

    Há 5 dias

    São Paulo, Brasil GM Financial Tempo inteiro

    Why GMF? GM Financial International Operations conducts business in Latin America and China. International Operations offers a wide range of wholesale and retail automotive financing products to dealers and their customers. The strength of the international business lies in its ability to tailor its products to meet unique dealer needs, consumer...

  • Financial Analyst IV

    2 semanas atrás

    São Paulo, Brasil Siemens Industry Software Ltda. Tempo inteiro

    Position Overview: This Financial Analyst IV position will be responsible for performing complexfinancial analyses on forecasts, budgets, cash flows, operating results, andbusiness plans with minimal supervision to enable accurate information formanagement to make business decisions. Provides financial support and businesspartnering to key stakeholders...

  • Supervisão Crédito Varejo

    2 semanas atrás

    São Paulo, Brasil GM Financial Tempo inteiro

    Why GMF? A GM Financial International Operations conduz negócios na América Latina e na China. A International Operations oferece uma ampla variedade de produtos de financiamento automotivo no atacado e no varejo para revendedores e seus clientes. A força do negócio internacional reside em sua capacidade de adaptar seus produtos para atender às...