Associate Principal, Diversified Lending Transactor - (2200009658) at Standard Chartered Bank

Role Responsibilities 

Strategy

• To support the Client Coverage Relationship Managers across Africa & Middle East with the structuring and execution of relevant Lending transactions
•  Any transactions supported by the Diversified Lending Team – includes Corporate Capex, FI working capital, Corporate Real Estate, Subscription Finance etc.

Business

• Engage with clients to negotiate relevant Diversified Lending transactions (as coordinated by the Client’s Relationship Managers)
• Ensure that relevant transactions are structured appropriately to maximize deal returns while allowing for potential distribution or sell down (as required)
• Preparation of deal economics, information memoranda, pitch books, presentations, prospectuses, deal summary sheets and other forms of reports as applicable under the supervision of the Diversified Lending Team lead.
• Identify potential cross-sell opportunities from Diversified Lending transactions (i.e. Cash, Trade and Financial Markets) to maximize client revenue and returns without prejudice to the Bank’s Conduct Principle of Fair Outcomes for Clients
• Be jointly responsible to achieve the quantitative and qualitative performance objectives set for the Diversified Lending team
• Develop and maintain relevant industry and product knowledge and stay abreast of developments within the industries or markets in which our clients operate
• Represent Standard Chartered Bank in matters relating to relevant Diversified Lending transactions or applicable industry events (as required)

Processes

• Ensure that all relevant transactions are compliant with the relevant Country Underwriting Standards, Portfolio Standards and Product Programs (including Country Addendums)
• Work proactively with various stakeholders such as Relationship Managers, Risk, Legal, Finance, etc. to reach financial close on Diversified Lending Transactions
• Contribute to applicable Transaction Approval applications which may be required, such as the approvals for Credit Risk, Global/Regional Capital Allocation Forum, Non-presence Countries, Country Risk Limit Allocation, Underwriting/Portfolio Standards or PPG Deviations, etc

Risk Management

• Prepare financial models to support the structuring and analysis of relevant transactions (as required for each transaction)
• Preparation of credit applications, including detailed analysis of business, industry, financial and management risk under the supervision of the Diversified Lending Team lead.
• Engage with Risk and other internal stakeholders to obtain necessary transaction approvals
• Analysis and negotiation of legal documentation related to Relevant Transactions under the supervision of the Diversified Lending Team lead.
• Proactively identify potential risks or issues which are affecting or may affect the portfolio of relevant Diversified Lending transactions
• Ensure that relevant transactions are structured appropriately for potential distribution or sell down (as required)
• Establish/maintain a good control environment related to Diversified Lending facilities

​​​​​​Governance

• Take ownership of documentation execution for relevant transactions ensuring that all approved or required terms and conditions are correctly reflected in the transaction documentation and all relevant approvals are recorded and stored appropriately
• Ensure compliance with all applicable policies and procedures in relation to booking, monitoring and reporting of relevant Lending transactions
• Prepare the Deal Checklists and review the accuracy and completeness thereof against the deal files for each Lending deal

Regulatory & Business Conduct

• Prepare or contribute to representations to Audit and Regulators with regard to the relevant Lending transactions
• Maintain a functional understanding of Internal policies and external regulatory changes that may affect the Diversified Lending role or the portfolio of relevant Diversified Lending transactions
• Embed the Group’s Values and Code of Conduct in all matters ensuring adherence to the highest standards of ethics and compliance with relevant policies, processes and regulations
• Actively seek to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; and The Right Environment

Key Stakeholders

• Relationship managers across AME
• Credit Function
• Legal Function
• Integrated Middle Office

Other Responsibilities

• Perform any other responsibilities assigned under Group, Country, Business or Functional policies and procedures

Our Ideal Candidate 

• Education: Qualification in Business, Finance, Accounting or similar disciplines
• For example a Qualified Chartered Accountant – CA (SA)
• Business Level English
• Approximately 3-5 years’ experience in a similar Corporate Lending role in a Bank

Technical Competencies:

• Bank Lending
• Corporate Finance – Financial Modelling
• Corporate Finance – Financial Accounting
• Sales – Client Pitching
• Business – Market Knowledge
• Business – Business Partnering

Closing Date: 10th, May 2022