Job Description

The Role Responsibilities

Conducting a thorough and comprehensive credit assessment of counterparty's credit profile, proposing internal corporate rating, assessment of sustainability and environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department. Also involves continuous monitoring of credit profile and OR.

Functional

• Good conceptual knowledge on accounting fundamentals.
• Good knowledge on financial and banking products.
• Good understanding of rating methodologies.
• Bloomberg and Reuters functional knowledge.

Behavioural

• Result Orientation
• Client Focus
• Contribution to Strategy
• People Development
• Change leadership
• Cooperation
• Team Leadership

Profile Required

• Responsible for evaluating the financial performance of corporate clients by understanding and spreading financial statements in standard templates, analysing economic conditions and industry trends, comparing counterparty performance relative to peers, client strategy and management assessment, incisive financial statement analysis using financial ratios, templates and models, complete covenant compliance, financial projection, peer analysis, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and providing a near term outlook and credit recommendation.
• Responsible for the accuracy of internal risk ratings and inputting financial and economic data in rating system.
• Working closely with onshore Analysts and credit officers in respective regions to evaluate risk and to monitor a client portfolio.
• Responsible to research, write and present financial and industry analysis impacting credit decisions and submit the documents for approval.
• Participate in process improvement initiative of the team.

Our Ideal Candidate

• Master's degree in Business / Finance / Accounting and / or professional certifications such as

• CA / CFA / CPA or equivalent
• International CFA or equivalent
• MBA (Finance) from reputed (Tier 1 or Tier 2 institutes)
• Relevant experience in credit analysis and credit support roles in the CCIB or Global Banking Sector (minimum of 2 years preferred for Credit Analyst roles).
• Education certifications or qualifications are not mandatory if proven track record and sound knowledge gained by considerable experience in similar roles in other Banks or financial institutions or credit rating organisations.
• Knowledge of banking products, associated risks and relevant processes gained either in banking, treasury or accounting roles in in the financial sector.
• Ability to hold dialogues with clients and external stakeholders as well as internally across all levels.
• Ability to deal with competing demands and multiple priorities within strict timelines.
• Proven ability to operate across cultures and within a diverse workforce.
• Ability to working in dynamic environment with a robust transformation agenda.
• Excellent oral and written communication and presentation skills.

Role Specific Technical Competencies

• Financial Statement Analysis, Credit Analysis and Verification, Credit Risk Management, Analytical Thinking
• Industry Knowledge, Addressing Customer Needs, Banking Products and Processes, Ability to write to credit and industry reports, Stakeholder Management
• Problem Solving, Change Management, Negotiation skills

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 160 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
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

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, parental/maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with 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.

Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

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