Senior Financial Spreading Analyst, CPA

Job Summary

• Credit & Client Risk Management (“CCR”) is an integral part of the CCIB. The CCR mandate is to deliver best in class credit analysis, monitoring and credit administration work to Stakeholder This role is primarily responsible for processing / verifying financials received from customers in line with the Bank’s requirement.
• The team extracts information from customer’s financial statement to support credit assessment and portfolio management performed by frontline. The financial figures obtained from the customer Annual Reports / Interim financial statements are input into credit lens system to calculate key financial performance indicators which will enable in lending decisions.
• Individual must ensure customers financial data is accurately recorded in credit lens system, assist in making correct lending decisions, to identify risks that may increase the bank’s exposure.

Key Responsibilities

• This role is primarily responsible for processing / verifying financials received from customers in line with the Bank’s requirement.
• The team extracts information from customer’s financial statement to support credit assessment and portfolio management performed by frontline.
• The financial figures obtained from the customer Annual Reports / Interim financial statements are input into credit lens system to calculate key financial performance indicators which will enable in lending decisions.

Strategy

• Inline with CCIB and Group Strategy.

Business

• Support the CCIB Client Coverage team for Credit Analysis and other Client Risk activities.

Processes

• Analysing and spreading the financial statements on credit lens.
• Going through the supplementary schedules, notes and MD&A for the detailed breakups and adjustments.
• Normalizing the financial statements for exceptional and non-recurring items to arrive at the true profitability figures.
• Meeting strict deadlines and ability to work under pressure.
• Ability to work individually and in the team
• Strong organizational, communication (verbal & written) and interpersonal skills are required.
• Candidate must have the ability to quickly transition as priorities change to meet demands.
• Participate in process improvement initiative of the team.

People & Talent

• Lead through example and build the appropriate culture and values in respective team.
• Set appropriate tone and expectations from their team and work in collaboration with stakeholder.
• Ability to apply sound judgement with critical thinking skills
• Ability to independently drive initiatives with minimum hands-on supervision and collaborate with other resources in the team to deliver for the task

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.

Key stakeholders

• In country Credit Analysis team

Other Responsibilities

• Embed Here for good and Group’s brand and values;
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures;
• Multiple functions (double hats); [List all responsibilities associated with the role]

Functional 

• Good conceptual knowledge on accounting fundamentals.
• Good knowledge on financial statement.
• Good understanding of rating methodologies

Behavioural 

• Result Orientation
• Client Focus
• Contribution to Strategy
• Cooperation

Skills and Experience

• Analytical Skill, including an understanding of key financial components with the ability to identify root causes and trends.
• Knowledge of financial statements and GAAP accounting or similar governance relating to country of operation 
• Written and Verbal communication skill with the ability to communicate clearly and concisely to audiences
• Proficient Microsoft Office (Word, Excel and PowerPoint) skill

Qualifications

• Bachelor’s/Master’s degree in Business/Finance/Accounting and/or professional certifications such as:CA/CFA/CPA or equivalent
• International CFA or equivalent
• MBA (Finance) from reputed institutes
• Relevant experience in financial statement spreading
• Education certifications or qualifications are not mandatory if proven track record and sound knowledge gained by considerable experience in similar roles in other Banks or financial institutions or credit rating organisations.
• Advance understanding of various company filings (10K, annual reports, solvency reports).
• Ability to hold dialogues with clients and external stakeholders as well as internally across all levels.
• Ability to deal with competing demands and multiple priorities within strict timelines.
• Proven ability to operate across cultures and within a diverse workforce
• Ability to working in dynamic environment with a robust transformation agenda
• Excellent oral & written communication and presentation skills

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