Job Summary

As a Credit Analyst within Standard Chartered's Corporate & Investment Banking division, you will play a pivotal role in evaluating and managing the credit risk associated with our diverse client portfolio. Your expertise will support Account Managers by conducting rigorous credit reviews, ongoing risk assessments, and providing insightful analysis of client creditworthiness. This vital function helps ensure alignment with the bank's risk appetite while adapting to dynamic market and economic conditions across various territories and asset classes.

About the Banking and Coverage Team
You will collaborate closely with our Banking and Coverage team, which leads client relationship management globally. This team partners across our network and with product specialists to deliver tailored working capital, financing, trade, cash management, and market solutions. These solutions range from sustainable trade finance opportunities to sophisticated credit derivatives and mergers and acquisitions advice, placing you at the heart of innovative financial service delivery.

About Corporate & Investment Banking (CIB)
With over 170 years of trusted service, CIB supports nearly 20,000 clients within rapidly growing economies and vital trade corridors worldwide. Joining us means engaging in a high-impact environment where your contribution aids clients’ transaction banking, financial markets, corporate finance, and credit needs, adding tangible value to their growth and success.

Key Responsibilities

In this role, you will:

• Lead comprehensive credit evaluations and reviews to thoroughly assess client credit risk and verify creditworthiness in alignment with Standard Chartered’s policies and regulatory standards.
• Generate precise and timely credit portfolio analyses, succinctly communicating key findings and recommendations to stakeholders including Account Managers and Risk colleagues.
• Take accountability for detailed financial statement spreading, assigning credit grades in accordance with internal scorecards, and document client risk profiles alongside risk mitigations, vigilantly monitoring for any credit-impacting developments.
• Collaborate effectively with Banking, Coverage, and Risk teams to originate credit assessments and maintain oversight of credit exposures to support sound decision-making.
• Conduct fraud risk assessments on client portfolios, documenting residual risks and recommending mitigants following the bank’s defined frameworks.
• Use credit intelligence to assist in identifying profitable business opportunities that maintain acceptable risk profiles, partnering with Relationship Managers, Financial Institution Bankers, and Product specialists to tailor product solutions.
• Perform in-depth credit analyses encompassing market dynamics and industry-specific risks, including evaluation of:
  • Industry trends and competitive positioning of clients within their sectors.
  • Client funding strategies, financial policies, treasury functions such as hedging and cash management practices.
  • Liquidity and cash flow, applying ratio analyses and stress testing to assess balance sheet resilience and profitability vulnerabilities.
  • Reputational risk factors with consideration for environmental impact, climate change, and sustainability-related risks.

Skills and Experience

To thrive in this role, you should possess:

• Comprehensive knowledge of the risk management lifecycle, including identification, assessment, mitigation, and monitoring of credit risks.
• Strong skills in financial forecasting, quantitative analysis, and financial modelling to support robust credit decision-making.
• Demonstrated capability with client due diligence procedures, ensuring compliance with regulatory frameworks and internal policies.
• Experience applying client behaviour data and preferences to evolve product offerings and deliver superior service experiences.
• Solid understanding of products across Markets, Transaction Banking, and Corporate Finance to contribute fully to credit analyses and commercial discussions.
• Familiarity with the regulatory environment shaping the financial services industry, including compliance with global and local standards.
• Proficiency in data analysis and visualization tools to translate complex data into actionable insights.
• Ability to perform effectively under pressure and navigate a dynamic banking environment with agility and sound judgement.

About Standard Chartered

Standard Chartered is a leading international bank that combines global expertise with a commitment to local markets. For more than 170 years, we have been dedicated to making a positive impact on our clients, communities, and colleagues. Our culture embraces innovation, curiosity, and a drive to challenge the status quo as we pursue new ways to grow and improve.

We are purpose-driven with a mission to stimulate commerce and prosperity through our uniquely diverse team and networks across the world. Our brand promise, 'Here for good,' reflects our commitment to ethical practices, sustainability, and building enduring relationships.

At Standard Chartered, we deeply value diversity and inclusion. We create a workplace where every individual can bring their authentic self, contribute fully, and thrive. Our behaviours guide us in:

• Doing the right thing – acting with integrity, being assertive, and putting clients at the center of all we do.
• Never settling – continuously improving, innovating, simplifying processes, and learning from successes and challenges alike.
• Being better together – fostering inclusivity, respect, and collaboration to build for sustainable success.

What we offer

Aligned with our Fair Pay Charter, we provide a comprehensive compensation package designed to support your overall wellbeing, including mental, physical, financial, and social aspects.

• Competitive salary structured to reward your skills and experience.
• Core benefits such as retirement savings plans, medical and life insurance, enhanced by flexible and voluntary benefits tailored to specific locations.
• Generous leave entitlements including annual leave, parental and maternity leave (up to 20 weeks), sabbaticals up to 12 months, and volunteering leave with a minimum combined total of 30 days for annual and public holidays.
• Flexible working arrangements enabling balance between home and office environments with adaptable working patterns to suit diverse needs.
• Proactive wellbeing programmes supported by initiatives like Unmind, a digital wellbeing platform, resilience training, mental health first aiders, employee assistance programmes, and various self-help resources.
• A learning culture committed to your professional growth with access to reskilling, upskilling opportunities, and diverse learning formats including physical, virtual, and digital education.
• An inclusive environment that celebrates diverse perspectives, fosters respect, and empowers all team members to achieve their full potential.