Standard Chartered Bank Nigeria - We attract talented individuals. Not only can they give you the benefit of their experience, they also reveal a closer, more personal look at the wide range of global opportunities we offer. At the core of the Group's people strategy is our focus on employee engagement. Engagement is a key driver of productivity and performance, which creates the foundation of our performance culture. We encourage and focus on the behaviours that bring out the very best from every employee, assessing their performance not just on results but on how those results were achieved. To further embed these behaviours we have a remuneration programme in place, carefully designed to incentivise our employees to live our values every day.We are recruiting to fill the position below:Job Title: Credit AnalystJob ID: 569291Location: Victoria Island, LagosJob DescriptionCredit Analysis:Timely drafting of credit analysis as directed by the relevant Team Leader. Such analysis should be Insightful, Relevant and Succinct (see Job Purpose) 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;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/MDU feedback;Supporting business on structuring deals;Documentation support on credit aspects and working with CRC/LDU 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 testingCCC CertificationPreparation of other analysis as directed by the relevant Team Leader, such as Industry specific reviews, portfolio reviews, assessments of new prospects etc.Stakeholder Partnership: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 applicablePartnering 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 aspectsPartnering Risk through clear presentation of credit analysis and proposed credit grading, as well as through proactive and considered discussion of key risk aspectsAccompanying Relationship Managers on client visits, as part of general due diligence in respect of credit analysisActing as a broader point of expertise in respect of credit aspects with Product and others across SCBTeam Development: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 activitiesContinually strive to share key relevant knowledge and learnings with others across the teamProvide credit specific coaching to newer or less experienced members of the teamRegulatory & 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.Support the International Corporate team, Nigeria to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.]*Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.Adhere to local regulator Central Bank of Nigeria (CBN) prescribed responsibilities and Rationale for allocation.Key Roles and ResponsibilitiesOther Responsibilities:Embed Here for good and Group’s brand and values in International Corporate, Nigeria Business or Functional policies and procedures.