Job Summary

This role will be responsible for delivering insightful, concise, and prompt credit analysis for the portfolios of Small and Medium Enterprises (SMEs) as well as Commercial clients under management. The role entails analyzing financial statements, assigning credit grades using the appropriate scorecard, documenting client risks and mitigants, and continuously monitoring for significant credit-related events. The Credit Analyst collaborates closely with the Relationship Management and Risk teams in relation to both client strategies and credit assessments. 

Key Responsibilities

• Execute credit risk analysis of SME and Commercial clients, considering industry dynamics, competitive positioning, funding strategy, and financial health. Perform financial analysis, stress testing, and fraud risk assessment, while documenting risks and mitigants.
• Perform timely drafting of credit analysis, taking into consideration the dynamics and nature of the client’s industry, including: risk aspects surrounding industry, competitive positioning within industry, funding strategy, financial policies and treasury activities, cash flow and liquidity by performing ratio analysis and/or stress testing (e.g. balance sheet strength, cash flow and profitability vulnerability) and impact of reputational, climate and sustainability risks on the risk profile
• Develop current/forward year base forecast performance expectation for client credit analysis
• Perform periodic checks on existing clients’ credit assessment, security monitoring, portfolio reviews and regular compliance checks, and keep management abreast of early warning signals
• Perform fraud risk assessment of its clients in accordance with the standards and document any residual risks and mitigants and prepare country-specific regulatory check-lists, where applicable
• Work closely with Relationship Managers, Segment & Products from point of origination and deal structuring to provide a credit / policy perspective to the opportunity.
• Conduct credit intelligence to identify potential business opportunities with acceptable risk profile, supporting origination roles and product teams in product solutioning and recommending products to clients.
• Maintain awareness of the Bank's products programs and their requirements in relation to credit risk
• Be abreast with emerging technologies and support the banks digital agenda by supporting and adapting to the strategic changes
• Understand, identify and utilise alternative data in the credit assessment process to provide a holistic view of the client
• Use available information and tools for dynamic monitoring of credit risk

Skills and Experience

• Credit Risk Analysis
• Balance Sheet Management
• Risk Assessment (Financial and Non-financial)
• Analytical Thinking
• Financial Acum
• Financial Forecast and Modelling
• Regulatory Knowledge
• Attention to Detail
• Industry Knowledge

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.