Job Summary<\/p>\n
Our Credit Analysts have extensive knowledge of our risk assessment and portfolio risk management framework which they use to support our Account Managers with credit reviews, ongoing risk monitoring and client creditworthiness. They also assess Standard Chartered\u2019s risk appetite against market and economic conditions across the different markets and asset classes.<\/p>\n
About our Banking and Coverage team<\/p>\n
Our Banking and Coverage team owns and leads the management and development of our Client Relationships globally. They work across our global network with product partners to deliver working capital, financing, trade, cash and market solutions for our clients. The solutions include varied products and services, from sustainable trade finance to credit derivatives, to mergers and acquisitions advisory.<\/p>\n
About Corporate and Investment Banking (CIB) \u00a0<\/p>\n
For more than 170 years we\u2019ve support clients with their transaction banking, financial markets, corporate finance and borrowing needs and provide solutions to nearly 20,000 clients in the world\u2019s fastest-growing economies and most active trade corridors.<\/p>\n
Key Responsibilities<\/p>\n
Lead credit reviews, analyse and monitor client credit risk, to ensure creditworthiness.
\nProvide insightful, succinct and timely client portfolio credit analysis.
\nAccountable for spreading financials, proposing credit grades aligned to scorecards, documenting client risk and mitigants, and monitoring for credit-material events.
\nPartner with Banking, Coverage and Risk teams to develop and execute credit analysis, credit origination and monitoring relevant matters.
\nDeliver client fraud risk assessments to defined standards, documenting residual risks and mitigants.
\nCredit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers, FI Bankers and Product teams with product solutioning and recommendations.
\nProvide credit analysis with consideration for market dynamics and client industry, including:<\/p>\n
Industry risks and client competitive positioning within the industry.
\nClient funding strategy, financial policies, treasury activities, including hedging, and cash management.
\nAnalyse client cash flow and liquidity with ratio analysis and\/or stress testing balance sheet strength, cash flow and profitability vulnerability.
\nReputational risk profile, including climate and sustainability risks.<\/p>\n
Skills and Experience<\/p>\n
Risk management lifecycle.
\nFinancial forecasting and modelling.
\nFinancial and quantitative skills.
\nClient due diligence.
\nUsing client behaviours and preferences to evolve products and services.
\nProduct knowledge for Markets, Transaction Banking and Corporate Finance.
\nKnowledge of the financial services\u2019 regulatory environment.
\nData analysis and visualisation.
\nAbility to work under pressure, in a dynamic environment.<\/p>\n
About Standard Chartered<\/p>\n
We\u2019re an international bank, nimble enough to act, big enough for impact. For more than 170 years, we\u2019ve 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\u2019re 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\u2019t wait to see the talents you can bring us.
\nOur 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\u2019ll see how we value difference and advocate inclusion.
\nTogether we:<\/p>\n
Do the right thing\u00a0and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
\nNever settle,\u00a0continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
\nAre better together,\u00a0we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term<\/p>\n
What we offer<\/p>\n
In line with our Fair Pay Charter,\u00a0we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.<\/p>\n
Core bank funding for retirement savings, medical and life insurance,\u00a0with flexible and voluntary benefits available in some locations.
\nTime-off\u00a0including 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.
\nFlexible working\u00a0options based around home and office locations, with flexible working patterns.
\nProactive wellbeing support\u00a0through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills,\u00a0global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
\nA continuous learning culture\u00a0to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
\nBeing part of an inclusive and values driven organisation,\u00a0one that embraces and celebrates our unique diversity, across our teams, business functions and geographies \u2013 everyone feels respected and can realise their full potential.<\/p>\n
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