Job Summary

The role requires active engagement with Coverage/GAM and risk approvers on preparation (and review of) the full credit application package covering limit proposal and all relevant risk types (credit risk, fraud Risk, sanction risk, sustainability / climate risk, transaction risk etc). This also involves ongoing risk monitoring responsibilities.

Key Responsibilities

• Timely drafting of credit analysis as directed by the relevant Team Leader. Such analysis should be Insightful, Relevant and Succinct (see Job Purpose) and include the following, inter alia:

1. Discussion of Client industry dynamics and key risks;
2. Assessment of Client’s competitive position;
3. Review of management strength, experience, and governance;
4. Outline of Client’s strategy with clarity and execution risk assessment;
5. Evaluation of funding strategy, financial policy, treasury activities, and liquidity
6. Development of current and forward year forecast
7. Assessment of balance sheet strength, cashflow, and profitability risks via ratios or stress tests
8. Discussion of other key risks, including country risk, parental/government support, and debt ranking

• Preparation of other analysis as directed by the relevant Team Leader, such as Industry specific reviews, portfolio reviews, stress tests, assessments of new prospects etc.
• Completion of account spreading (where needed) and scorecard determination within Creditmate, alongside other factors necessary to propose a preliminary credit grading to Credit.
• In respect of clients where the role-holder is assigned as analyst, finalisation of relevant Group Mandate and/or Business Credit Application, liaising with Client Coverage as necessary.

• In respect of Clients where the role-holder is assigned as analyst:

  1. Proactive monitoring of key entity or industry wide events and/or developments, as well as of covenants and risk triggers where applicable
  2. Partnering Relationship Managers in pursuing their client strategies through proactive idea generation, support in preparing materials for client discussion and through ensuring they are always fully briefed on key risk aspects

Skills and Experience

• Graduates
• Sound knowledge of accounting and financial principles gained by experience or qualification
• Up to 2 years’ relevant experience gained either in banking, rating agency, treasury or accounting environment would be preferred.
• Strong analytical ability, focused on the assessment and calibration of credit risk
• Strong verbal and written communication skills, with proven ability to work across cultures and within a dynamic environment.
• Ability to speak English and French fluently
• Able to hold credible dialogue at all levels of the organisation, as well as with clients
• Well organized, able to multi-task and balance competing demands

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.