Job Description
Job Description
A pivotal part of the Group, providing essential operational and technical support to our global businesses and helping improve customer service and efficiency. HTS combines global expertise and technology to help keep us ahead of the competition.
Global Service Delivery
Global Service Delivery is a business-aligned, customer-servicing organization with the primary objective of driving operational excellence across our businesses worldwide. Achieving this through the consolidation, simplification and continuous improvement of processes across the full range of operations, the division simultaneously takes responsibility for managing operational, location and processing risk and ensuring that services provided are at a best-in-class price point for the required quality level.
Purpose of Department
The Credit Analysis Unit (CAU) is a global function which works closely with Relationship Managers (RMs) to help them prepare Credit Proposals for their GB&M borrowing names across the FIG, Corporate and FIG Funds sectors. By closely managing the annual review work load and encouraging deep collaboration between CAU, RMs, Credit Risk, and Client Management, the Credit Analysis Unit maintains a flexible operating model ensuring new business transactions are consistently prioritized effectively to exploit revenue generation. CAU's vision is to consistently deliver superior quality of credit risk analysis and to be the best place of work fostering a team of highly engaged members who are committed to Values and Global Standards.
Role purpose
The role requires the Subject Matter Expert (SME) within the Centre of Excellence (COE) team to play a pivotal role in providing high quality domain and credit policy related support to the analytical teams in the Corporate and FIG sectors. The COE-SMEs will drive and instil best practices with regards to credit analysis produced by Offshore CAU and to play a pivotal role in leading some of the key transformation initiatives including Credit Streamlining and the RWA Accuracy Program. Over time, the SMEs will be expanding their domain to cover both the sectors – Corporate and FIG.
The broad responsibilities include:
Ensure the credit submissions are consistent with the approved guidelines as stipulated in the corresponding FIM/DIMs and approved templates
Provide both quantitative and qualitative feedback via a scorecard to each analyst submission that will become part of their performance scoring assessment, as well as direct 1:1 feedback as required
Be closely integrated with the sector coverage teams to ensure CAU deliverables and timelines with regards to T-45 submission timelines and target KPIs are met, as well as support for new business opportunities
Play a pivotal role in the on-going Credit Streamlining roll-out by ensuring that the approved templates are adhered to and that the write-ups succinctly capture the key risks, mitigants and supporting analysis from a risk perspective (“writing for risk”)
Play the role of a SME with the aim of providing and nurturing technical and subject expertise covering sector, policy and country-specific credit policies and procedures
Demonstrate sectoral and sub-sectoral expertise, track sectoral developments, identify themes for analysis and coordinate with Team Leads and Team Members to produce analytical reports
Staying abreast of guidelines and procedures, FIM and other policy guidelines, create a repository of the guidelines, ensure dissemination and provide necessary guidance to the team
The COE SMEs should groom analysts and provide value-added feedback to enable them to reach their full potential and maximize the quality of output
Coordinate and play an active role in supplementing any sector specific training or credit analysis tools to the sector analysts in order to maintain a high quality of skill sets.
Take ownership and collaborate with team members in publishing key industry and thematic reports
Demonstrate strong orientation towards risk and controls; play a key role in implementation/smooth bedding down of initiatives
Manage a portfolio of counterparties and carry out credit assessment of such counterparties; ensuring that the reports are delivered within agreed timeframes
To ensure that the PLAs with the stakeholders regarding productivity, quality and turnaround time are met or exceeded.
Build and maintain rapport with onshore teams including Credit Risk, Business and Onshore teams
Suggest and design improvements to process workflow, where feasible