Associate Director, Credit Analyst

Job Summary Our Credit Analysts have extensive knowledge of our risk assessment and portfolio risk management framework which they use to support our Account Managers with credit reviews ongoing risk monitoring and client creditworthiness They also assess Standard Chartered s risk appetite against market and economic conditions across the different markets and asset classes About our Banking and Coverage team Our Banking and Coverage team owns and leads the management and development of our Client Relationships globally They work across our global network with product partners to deliver working capital financing trade cash and market solutions for our clients The solutions include varied products and services from sustainable trade finance to credit derivatives to mergers and acquisitions advisory About Corporate and Investment Banking CIB For more than 170 years we ve support clients with their transaction banking financial markets corporate finance and borrowing needs and provide solutions to nearly 20 000 clients in the world s fastest-growing economies and most active trade corridors Key Responsibilities Lead credit reviews analyse and monitor client credit risk to ensure creditworthiness Provide insightful succinct and timely client portfolio credit analysis Accountable for spreading financials proposing credit grades aligned to scorecards documenting client risk and mitigants and monitoring for credit-material events Partner with Banking Coverage and Risk teams to develop and execute credit analysis credit origination and monitoring relevant matters Deliver client fraud risk assessments to defined standards documenting residual risks and mitigants Credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers FI Bankers and Product teams with product solutioning and recommendations Provide credit analysis with consideration for market dynamics and client industry including Industry risks and client competitive positioning within the industry Client funding strategy financial policies treasury activities including hedging and cash management Analyse client cash flow and liquidity with ratio analysis and or stress testing balance sheet strength cash flow and profitability vulnerability Reputational risk profile including climate and sustainability risks Skills and Experience Risk management lifecycle Financial forecasting and modelling Financial and quantitative skills Client due diligence Using client behaviours and preferences to evolve products and services Product knowledge for Markets Transaction Banking and Corporate Finance Knowledge of the financial services regulatory environment Data analysis and visualisation Ability to work under pressure in a dynamic environment About Standard Chartered We re an international bank nimble enough to act big enough for impact For more than 170 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 Are better together we can be ourselves be inclusive see more good in others and work collectively to build for the long term What we offer 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 leave parental maternity 20 weeks sabbatical 12 months 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 28031