Job Summary

As a Director, Credit Analyst at Standard Chartered, you will play a pivotal role in supporting our Account Managers by leveraging your deep expertise in risk assessment and portfolio risk management frameworks. You will be responsible for conducting detailed credit reviews, ongoing risk monitoring, and evaluating client creditworthiness to ensure financial stability and compliance with the bank's standards.

Our Banking and Coverage team is committed to managing and fostering our Client Relationships on a global scale. Collaborating closely with product partners across our extensive network, the team delivers comprehensive working capital, trade, financing, cash and market solutions tailored to our clients’ needs. These solutions range from sustainable trade finance initiatives to advanced advisory services such as credit derivatives and mergers and acquisitions.

Standard Chartered's Corporate & Investment Banking (CIB) has a rich heritage of over 170 years, serving nearly 20,000 clients globally, particularly in the world’s fastest-growing economies and active trade corridors. By joining us, you will be part of a dynamic environment where your expertise contributes directly to supporting these clients’ transaction banking, financial markets, corporate finance, and borrowing needs with innovative, client-centric solutions.

Key Responsibilities

• Lead comprehensive credit reviews and ongoing monitoring of client credit risk to ensure consistent creditworthiness and adherence to the bank’s risk appetite.
• Deliver precise and timely credit analysis across client portfolios, synthesising financial data into actionable insights.
• Accurately spread financial statements, assign credit grades aligned with scorecards, document risk factors and mitigating measures, and vigilantly monitor for credit-material changes or events.
• Collaborate effectively with Banking, Coverage, and Risk teams to advance credit origination and monitoring processes.
• Conduct detailed client fraud risk assessments following defined standards, clearly documenting residual risks and their mitigants.
• Provide credit intelligence that enables identification of business opportunities with acceptable risk profiles by partnering with Relationship Managers, Financial Institution Bankers, and Product teams.
• Incorporate comprehensive market, industry, and economic dynamics into credit assessments including:
    - Industry-specific risks and competitive positioning.
    - Client funding strategies, financial policies, treasury practices including hedging and cash flow management.
    - Stress test client liquidity, cash flow, and balance sheet resilience through ratio analysis.
    - Evaluate reputational risks including climate and sustainability considerations.
• Maintain robust documentation and ensure compliance with all regulatory and internal credit risk policies.

Skills and Experience

• Extensive experience navigating the full risk management lifecycle, from identification through to monitoring and mitigation.
• Proficient in financial forecasting, modelling, and quantitative analysis techniques to support credit decision-making.
• Strong financial acumen enabling comprehensive evaluation of client due diligence materials.
• Ability to analyse client behaviours and preferences to inform product and service evolution, fostering innovative client solutions.
• In-depth product knowledge across Markets, Transaction Banking, and Corporate Finance frameworks.
• Awareness of the financial services regulatory environment to ensure all credit assessments meet compliance standards.
• Skilled in data analysis and visualisation tools to translate complex datasets into digestible and actionable insights.
• Proven ability to perform effectively under pressure in fast-paced and dynamic work environments, maintaining accuracy and sound judgment.
• Excellent communication and interpersonal skills to partner collaboratively with diverse internal teams and clients at various levels.

Qualifications

• Relevant degree or professional qualification in finance, economics, or a related discipline is highly desirable.
• Demonstrated experience as a credit analyst within banking or consultancy environments with a focus on corporate clients.
• Proven track record working with large corporate clients, with tangible outcomes in credit risk management and portfolio monitoring.
• Comprehensive product knowledge and direct experience working with commodity sectors, particularly natural resources, precious metals, oil, and gas, is a significant advantage.
• Strong analytical, decision-making, and problem-solving skills supported by sound understanding of credit risk frameworks.
• An aptitude for continuous learning and professional development to stay updated on industry trends and regulatory changes.

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.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers