Job Summary

Due to the growth in our European business , we are looking for a motivated colleague to join our Frankfurt office as Associate Director, Credit Analyst. 
In this role you will be responsible for the preparation and review of the full credit application package for our corporate clients covering limit proposal and all relevant risk types (credit risk, fraud risk, sanction risk, sustainability/climate risk, transaction risk etc.). You will also monitor those risk on an ongoing basis.
You will closely collaborate with our Coverage, Global Account Manager and Risk Approver teams responsible for Germany so apart from being fluent in English, you should also be able to speak German fluently.

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

•    Minimum 3 years’ relevant experience in corporate credit analysis gained either in audit, banking, rating agency, treasury or accounting environment would be preferred but not mandatory
•    Strong analytical ability, focused on the assessment and calibration of credit risk
•    Well organized, able to multi-task and balance competing demands
•    Strong verbal and written communication skills, with proven ability to work across cultures and within a dynamic environment
•    Fluency in English and German
•    Able to hold credible dialogue at all levels of the organisation, as well as with clients
•    Product knowledge for Markets, Transaction Banking and Corporate Finance.
•    Knowledge of the financial services' regulatory environment.
•    Data analysis and visualisation. 

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.