Associate Director - Credit Analyst

This job is with Standard Chartered Bank, an inclusive employer and a member of myGwork – the largest global platform for the LGBTQ+ business community. Please do not contact the recruiter directly.

Job Summary International Corporates ("IC") is a crucial business vertical within Corporate & Investment Banking ("CIB"). They not only manage Bank's relationships with large corporations but they also assist to overcome challenges our clients may face and help them meet their financial and business objectives.

Credit Analyst is part of the relationship team within the IC business. The role of Associate Director requires self driven candidate who will support Senior Credit Analyst in actively engaging with Coverage / Global Account Manager and risk approvers on preparation 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. The candidate will work closely with the wider credit analysts team, coverage, product partners and Risk team within the Bank's policy framework.

Key Responsibilities Origination

• Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
• Work with RM / product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
• Work with the RM, in a) obtaining all pre clearances b) preparing & presenting work-shopping note and c) expediting approvals.
• Responsible for end-to-end credit assessment process using various internal frameworks and policies around Credit risk, return calculations, Scorecard, Environment & Social Risk Management, Climate Risk, Reputational Risk Assessment etc. and perform, in-depth analysis of various risks, make quality presentation and ensure fast credit approval.
• Ensure compliance of all internal and regulatory, credit / other portfolio related policies e.g. preparing the credit note / Regulatory checklist, other special reporting requirements, etc.
• Coordinate and prepare for credit meetings
• Liaise with Credit for limit approval / allocation.

Post Deal Account monitoring

Others

Strategy

Business

Processes

People & Talent

Risk Management

Governance

Regulatory & Business Conduct

Key stakeholders

External

Internal

Other Responsibilities

Skills and Experience

Qualifications Should be professionally qualified to perform role of a credit analyst i.e. CFA, MBA, Chartered Accountant with minimum 9 years of relevant work experience.

Education CA / CFA / MBA

Training Prior Credit Analyst Experience

Languages Professional Competency in English

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.

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