The Role Responsibilities
Job Summary
Assist in originating, structuring, analyzing, and execution of syndicated loans, primarily US property-level commercial real estate debt.
Responsibilities
Strategy
- Deliver on the Financing Solutions (FS) Americas mandate as part of the broader Global Credit Markets platform.
Business
- Prepare financial models, credit memos, documentation (term sheets, concept papers), and syndication materials to support contemplated transactions primarily related to Commercial Real Estate (CRE);
- Assist Senior Transactor(s) on the origination, structuring, and execution of customized solutions for CRE clients in the Americas;
- Identify cross-selling opportunities for other product partners, including capital markets, derivatives;
- Support in the execution and monitoring of CRE transactions, working closely with CRE Industry Team, Syndications, Client Managers, Loan Processing/Documentation Units, Compliance, and Legal.
- Ensure that CRE transactions conform to the relevant internal system protocols, Product Underwriting Standards, Product Programs, and all other bank policies and procedures;
- Develop overall knowledge of CRE industry, regulations, and guidelines, via market research reports, trainings, client/investor meetings, and attendance of industry events.
Processes
- Manage internal processes (including operation of internal deal management systems, drafting deal overviews for credit and/or business approval, among others).
- Responsible over assigned transactions (Portfolio Management); constant observance of Group's internal policies and requirements to assure transactions compliance and, if necessary, proceed with appropriate changes.
People & Talent
- Contribute to skills development of IGs and Summer Interns
Risk Management
- Minimize risk to the bank through deal structuring and portfolio management
- Assume accountability for credit risk of FS customers and ensuring a continuous dialogue with relationship managers and relevant support areas to ensure that they are monitored and controlled.
- Ensure business model adheres to SCB values and behaviours
Governance
- Adherence to Group's policies and procedures
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
Internal
- Other FS Americas team members, as well as FS Teams globally
- Other GCM team members in Americas and globally
- Industry Team (CRE)
- Relationship/Account Managers
- Portfolio Analytics and Monitoring (PAM)
- Support Functions such as Risk, Compliance, Operations, Funding, Legal
- Other product partners, such as Debt Capital Markets and Financial Markets
External
- Sponsors/Borrowers
- Deal teams including Syndicate Banks; Agents
- External legal counsel
- Third party consultants
- Industry peers at other banks and investors
Other Responsibilities
- Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
Our Ideal Candidate
- 3-5 yrs of experience in commercial real estate financing and/or investment banking, with a focus on underwriting, execution, and/or portfolio management experience
- Bachelor's degree in Commercial Real Estate, Finance, Economics, or Business, preferred
- Comprehensive knowledge of Lending Products ie. Loan syndications; Term loans and RCFs, participations; knowledge of corporate finance and capital markets structuring techniques, and ability to work in a multi-disciplinary team of professionals
- Strong financial modelling (Excel and ARGUS), credit assessment, market research, and analytical skills
- Experience working and collaborating with internal and external counsel, loan operations, documentation, and funding teams, portfolio management, and agency
- Understanding of CRE loan documentation principles, relevant covenant monitoring, valuation and other third party reports
- Demonstrated strong work ethic, detail-orientedness, and ability to manage time well and function independently with minimal supervision
- Excellent written and oral communication skills
Role Specific Technical Skills And Competencies
- Financial Modelling
- CRE Research and Analysis
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 160 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents. And we can't wait to see the talents you can bring us.
Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we:
- Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do.
- Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well.
- Be better together, we can be ourselves, be inclusive, see more good in others and work collectively to build for the long term.
In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
- Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
- Time-off including annual, parental/maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
- Flexible working options based around home and office locations, with flexible working patterns.
- Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits.
- A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
- Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.
Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.
Expected annual base pay range for the role is 123,000 USD to 229,000 USD. The final offer will be determined on an individualised basis using a number of variables, including but not limited to skill set, depth of experience and education, internal relativity, and specific work location. At Standard Chartered Bank, Base pay is only part of the total compensation package. Discretionary variable pay and a range of attractive bank sponsored benefit programs are available and designed to foster employee overall health and well-being including, but not limited to, a best in class 401k plan with up to 8% employer match, robust medical plan coverage with employer funded Health Savings Accounts, inclusive family building benefits, and flexible/hybrid working arrangements for many of our positions subject to role specific considerations.
Visit our careers website www.sc.com/careers
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