Job Summary

As a Credit Analyst specializing in Medium Enterprises, you will be responsible for thoroughly evaluating the creditworthiness of both potential and existing SME Clients. your detailed financial analysis and risk assessments will directly inform lending decisions and contribute to maintaining a healthy loan portfolio. 

Key Responsibilities

Financial Analysis

• Conduct in-depth analysis of SME financial statements, including balance sheets, income statements, and cash flow statements, to evaluate their financial health, liquidity, profitability, and solvency.

Credit Risk Assessment

• Evaluate the creditworthiness of SMEs by considering various factors such as financial performance, industry trends, management quality, business model, market position, and collateral.

Ratio Analysis

• Interpret financial ratios and trends to identify potential risks and opportunities, benchmarking against industry peers.

Credit Rating and Recommendations

• Assign internal credit ratings and provide well-supported recommendations on credit limits, loan terms, and risk mitigation strategies.

Credit Reports

• Prepare comprehensive and accurate credit reports summarizing the analysis, findings, and recommendations for internal stakeholders.

Monitoring and Tracking

• Continuously monitor the credit performance of existing SME clients to identify potential early warning signs of deterioration and proactively manage credit risk.

Industry and Regulatory Awareness

• Stay abreast of industry trends, regulatory changes, and economic factors that may impact the creditworthiness of SMEs.

Collaboration

• Work closely with Relationship Managers, Business Development teams, and other relevant departments to support business growth while maintaining acceptable risk levels.

Compliance

• Ensure all credit analysis and recommendations adhere to internal policies, procedures, and regulatory guidelines.

Data Management

• Maintain accurate and organized records of credit analysis and related documentation.

Skills and Experience

● 2+ years of experience in credit analysis, preferably with a focus on Small and Medium Enterprises.
● Strong understanding of accounting principles, financial statement analysis, and credit risk assessment techniques.
● Proficiency in financial modeling and analysis tools, including spreadsheet software (e.g., Microsoft Excel).
● Excellent analytical, problem-solving, and critical thinking skills.
● Ability to interpret financial data and draw sound conclusions.
● Strong written and verbal communication skills, with the ability to present findings clearly and concisely.
● Knowledge of the SME sector and its unique challenges and opportunities.
● Familiarity with relevant regulatory requirements and compliance standards.
● Ability to work independently and as part of a team.
● Strong attention to detail and a high degree of accuracy.

Qualifications

CA or Master's degree in Finance, Accounting, Economics, or a related field.

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.