Credit Analyst

About Wealth and Retail Banking
Wealth and Retail Banking (WRB) serves more than 11 million clients in many of the world’s fastest-growing markets. Our client continuum spans from Mass Retail to Affluent, including high-net worth clients served by our Private Bank. We leverage digital banking channels with a human touch to provide clients with differentiated products and services such as deposits, payments, financing, wealth management and personalised advice. We also support small business clients with their business banking needs.

We are seeking a dedicated Credit Analyst to join our team. Your primary role will be to provide timely and relevant credit analysis for a portfolio of Standard Chartered Bank’s clients.

Key responsibilities include:

1. To provide insightful, relevant, succinct, and timely credit analysis of a portfolio of SCB’s clients (current or prospective).
2. Perform periodic reviews on a portfolio of Business Banking Medium Enterprise clients to identify any emerging credit deterioration and recommend remedial action, if any.
3. Maintain market awareness so as to be vigilant of trends affecting existing and future credit exposure including regulatory and policy changes.
4. Ensure compliance with the Bank’s credit risk underwriting policies and other internal policies, regulatory guidelines and other operating procedures.
5. Analysis of financial documentation and supplemental data to support lending decision-making and recommending credit requests to appropriately meet business needs.
6. Personally develop and maintain strong working relationships with Relationship Managers along with Client Coverage Managers and Credit Approvers to ensure that all risks to the business, financial and non-financial, are properly recognized and thoughtfully mitigated in proposals.
7. Ensure that all work is delivered within agreed timeframes and meets the required high quality standard.
8. Pro-actively suggest and design improvements in process workflow, where applicable.
9. Support Team Leader and others in the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the team’s activities.
10. Continually strive to share key relevant knowledge and learnings with others across the team.

What We’re Looking For:

1. Bachelor’s degree in economics / accounting / Finance or a related discipline.
2. Minimum of 3 – 5 years’ relevant experience in Financial Institutions or corporates.
3. Strong analytical ability, focused on the assessment and calibration of credit risk.
4. Strong verbal and written communication skills (in English), with proven ability to work across cultures and within a dynamic environment.
5. Able to hold credible dialogue at all levels of the organisation, as well as with clients.
6. Well organized, able to multi-task and balance competing demands.

Role Specific Technical Competencies

• Analytical strength
• Credit Risk
• Financial Analysis and Control
• Market 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.