Job Summary
We are looking to hire a highly driven and meticulous individual to become a part of our Credit Allied Risk Assessment team. This position entails the responsibility of conducting assessments that encompass Climate Risk, ESG & Reputational Risk, as well as any additional ESG-related Risk that become pertinent in the future. The analyst will be tasked with collecting pertinent data from reliable sources, disclosures, annual reports, and interactions with Relationship Managers, Credit Analysts and clients to deliver an analytical evaluation of the client's risk and opportunities assessment for Credit Risk considerations while adhering to ESGR policy frameworks and in line with Group’s Position Statements.
Key Responsibilities
- Provide insightful, relevant, succinct, and timely Credit Allied Risk Assessment for a portfolio of SCB’s Corporate & Investment Banking (CIB) Clients (Existing and New to bank).
- Assisting the Relationship Managers (RM) and Credit Analysts (CA) referred as “CIB Coverage team” in preparation for client discussions regarding Credit Allied Risk Assessments and collection of data necessary for conducting precise and well-informed evaluations in the credit decision-making process.
- Regular interaction with business and front-line teams will be a core component of the role. This involves helping the business navigate ESG & Reputational Risk requirements of the Bank and providing guidance on client situations.
- The responsibilities include evaluating the portfolio in relation to various industries and geographical regions, as the focus may shift periodically.
- Provide a current and forward-looking focused opinion on the Clients’ engagement and participation in the Climate Change and ESG agenda, considering the industry and geographic context together with a calibrated articulation of key risks and potential mitigants thereto.
- Provide a holistic counterparty assessment, analysis should comment on elements relevant to SCB’s own Climate, ESG & Reputational Risk-related priorities e.g. “High-emitting Sectors” adhering to position statements to allow the RMs to engage with clients effectively.
The Analyst will support Business Credit Application (BCA) submission through:
- Timely completion of the Credit Allied Risk Assessments for integration with the BCA.
- Active partnership with CIB Coverage team in completion of Risk Profile, as well as proposed Covenants and Risk Triggers related to Credit Allied Risk assessments.
- While RMs and Credit Analysts will maintain overall responsibility for the consistency and coherence of the entire BCA package submitted to Risk, the Credit Allied Risk Team will take on the duty of addressing and responding to any inquiries or questions from Credit Officers concerning the assessments they carry out.
Skills and Experience
- University degree related to Finance, Sustainability, Industry specialization, Climate science or Environmental studies.
- Minimum of 2+ years’ relevant experience gained either in banking or other financial institutions in ESG/Climate or Credit risk-related roles.
- Analytical skills to conduct comprehensive research on client E&S, Climate and Reputational risk performance.
- Problem-solving mindset and the ability to provide well thought through solutions based on data analysis.
- Strong communication skills and engaging disposition to work closely with Credit Analysts across SCB markets to ensure accurate understanding of client operations.
- Well organized, able to multi-task and balance competing demands.
- Can work in a collaborative environment, a faster learner and demonstrates a “can do” attitude.
- Awareness of E&S Governance, including industry specific standards & Climate risk aspects.
- Global awareness of E&S trends to examine and detect trends at industry/regional level.
- Familiarity with sustainability reporting frameworks and standards (e.g., TCFD, CDP, GHG accounting) for reporting climate-related risks and strategies.
- Understanding of how climate risks translate into financial risks (e.g., asset valuation, revenue impact) and experience integrating climate risk into financial models.
- Strong ability to provide meaningful and constructive feedback based on policy or guidance requirements.
- Capacity to stay informed about the latest developments in climate science, technology, and policy, and adapt strategies accordingly.
- Certifications related to Climate, ESG will be added advantage.
