Job Summary

Senior Credit Manager responsible for several corporate industry verticals in SCB New York, including oil and gas, industrials, trade transactions.

Key Responsibilities

• Appraise and contribute to the development of the Bank's strategic plans and alignment with risk appetite and risk tolerance through active participation in the various committees and forums
• Align strategy of CIB with business strategy and risk appetite and tolerance and oversee its execution
• Identify measure and monitor material risk affecting the CIB portfolios in the context of the external market environment.
• Ensure that the quality of Business Credit Applications (BCAs) and Group Mandates (GMs) meets Group standards, particularly with regards to the completeness and depth of risk analysis.
• Approve BCAs/GMs that fall within delegated authorities and review/support BCAs/GMs that require the approval of more senior credit officers, where appropriate.
• Ensure effective management of the operational risks within the Function and compliance with applicableinternal policies, and external laws and regulations.
• Continuously improve the operational efficiency and effectiveness of the Function's risk managementprocesses.

Risk Management

• Assess the credit risk profile of the CIB portfolio in the Americas, maintaining alignment with risk appetite by rebalancing of risks or controls that may be required in response to internal and external factors
• Initiate stress tests as required by internal and external factors and review results and assess their implications
• Proactively manage the Portfolio, ensuring accounts that exhibit deteriorating credit profiles are identified early and escalated to management via the Early Alert (EA) Process and in need work closely with Group Special Asset Management (GSAM) to reduce and mitigate risk to avoid credit losses.
• Ensure appropriate legal documentation support structures to mitigate risk.
• Direct appropriate response to material events or other risk issues that come to SCM's attention
• Exercise risk control responsibility for Credit Risk for CIB Americas portfolio
• Ensure risk capabilities are objective, consistent and compliant with appropriate regulations
• Ensure that material risk exposures and related issues are reported to the responsible governance committees and to Group and business-level committees as appropriate
• Ensure appropriate judgement is applied in the discharge of risk authorities assigned to the job holder, taking account of concentration risk across sectors, geographies and markets.
• Maintain a good understanding of the requirements of key external stakeholders in respect of risk management and ensure there are well understood internally and reflected in internal procedures
• Ensure first line process owners understand and accept their risk management responsibilities
• Maintain an open and co-operative relationship in any dealings with regulators

Key stakeholders

Internal:

• Regional Head of Global Banking, GAMs, Client Managers and Credit Analysts
• Group Internal Audit and Credit Risk Review (Region)
• Transactional Banking (Region)
• Financial Markets (Region)
• SAR (Region)
• Legal and Compliance (Region)
• Regional Chief Risk Officer (Region)
• Chief Credit Officer, CIB Americas (Region)

External:

• Regulators
• External Auditors
• Executives (including equivalent CRM Units) of other banks
• Rating Agencies
• Consultants
• Members of the legal professions

Other Responsibilities

• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
• Undertake regular customer visits to better understand the business environment.
• Mentor International graduates that rotate through the Risk function.
• Special projects and activities as requested by SCO or CCO.

Skills and Experience

• Credit Risk Management
• Operational Risk Management

Qualifications

• 7 years of relevant experience
• Market knowledge: experience at the highest level in the banking industry
• Experience / knowledge of trade finance products and structuring
• Business strategy and model: sharp business acumen (including ability to assess risk and appropriate levels of return),excellent interpersonal skills and multi-cultural awakened and sensitivity.
• Risk management and control: ability to manage risk in geographically dispersed and highly varied product base. Expertise in process design and control.
• Regulatory framework and requirement: awareness and understanding of the regulatory framework in which the firmoperates and the regulatory requirements
• Non-technical skills: strong inter-personal skills to manage both internal and external stakeholders.
• Languages; English.
• Banking training
• Role specific training which are mandatory and developmental
  • Risk management framework
  • Core credit curriculum
• Other training as deemed mandatory by the bank and updated on a periodic basis.

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 thingand 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

Expected annual base pay range for the role is 143,000 USD to 190,000 USD. The final offer will be determined on an individualised basis using a number of variables, including but not limited to skill set, depth of experience and education, internal relativity, and specific work location. At Standard Chartered Bank, Base pay is only part of the total compensation package. Discretionary variable pay and a range of attractive bank sponsored benefit programs are available and designed to foster employee overall health and well-being including, but not limited to, a best in class 401k plan with up to 8% employer match, robust medical plan coverage with employer funded Health Savings Accounts, inclusive family building benefits, and flexible/hybrid working arrangements for many of our positions subject to role specific considerations

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-offincluding 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 workingoptions based around home and office locations, with flexible working patterns.
• Proactive wellbeing supportthrough 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 cultureto 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.

www.sc.com/careers