Associate Director, Credit Analyst

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.

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

• Relevant working experience gained either in banking, rating agency, treasury or accounting environment would be preferred but not mandatory.
• Product knowledge for Markets, Transaction Banking and Corporate Finance.
• Knowledge of the financial services' regulatory environment.
• Financial forecasting and modelling.
• Strong analytical ability, focused on the assessment and calibration of credit risk.
• Data analysis and visualisation.
• Strong verbal and written communication skills, with proven ability to work across cultures and within a dynamic environment.
• Able to hold credible dialogue at all levels of the organisation, as well as with clients.
• Ability to work under pressure, in a dynamic environment.

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.