Associate, Credit Analyst

Job Description As a Credit Analyst at Standard Chartered, your role involves supporting Account Managers with credit reviews, ongoing risk monitoring, and assessing client creditworthiness within the risk assessment and portfolio risk management framework. You will also analyze Standard Chartered's risk appetite against market and economic conditions across different markets and asset classes. Key Responsibilities: - Lead credit reviews, analyze and monitor client credit risk to ensure creditworthiness. - Provide insightful, succinct, and timely client portfolio credit analysis. - Spread financials, propose credit grades aligned to scorecards, document client risk and mitigants, and monitor for credit-material events. - Partner with Banking, Coverage, and Risk teams to develop and execute credit analysis, credit origination, and monitoring relevant matters. - Deliver client fraud risk assessments to defined standards, documenting residual risks and mitigants. - Provide credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers, FI Bankers, and Product teams. - Analyze client cash flow and liquidity with ratio analysis and/or stress testing balance sheet strength, cash flow, and profitability vulnerability. - Consider market dynamics and client industry in credit analysis, including industry risks, client competitive positioning, funding strategy, financial policies, treasury activities, and reputational risk profile. Qualifications Required: - Risk management lifecycle knowledge. - Financial forecasting and modeling skills. - Financial and quantitative skills. - Client due diligence expertise. - Product knowledge for Markets, Transaction Banking, and Corporate Finance. - Knowledge of the financial services regulatory environment. - Data analysis and visualization capabilities. About Standard Chartered: Standard Chartered is an international bank with a rich history of over 170 years, committed to making a positive difference for clients, communities, and employees. The bank values diversity, inclusion, integrity, innovation, and continuous improvement. If you are looking for a purpose-driven career in a bank that prioritizes growth and values unique talents, Standard Chartered is the place for you. The bank offers competitive salaries, comprehensive benefits, flexible working options, and proactive wellbeing support to help employees thrive and succeed. Join Standard Chartered to be part of an inclusive and values-driven organization that celebrates diversity and empowers individuals to reach their full potential. As a Credit Analyst at Standard Chartered, your role involves supporting Account Managers with credit reviews, ongoing risk monitoring, and assessing client creditworthiness within the risk assessment and portfolio risk management framework. You will also analyze Standard Chartered's risk appetite against market and economic conditions across different markets and asset classes. Key Responsibilities: - Lead credit reviews, analyze and monitor client credit risk to ensure creditworthiness. - Provide insightful, succinct, and timely client portfolio credit analysis. - Spread financials, propose credit grades aligned to scorecards, document client risk and mitigants, and monitor for credit-material events. - Partner with Banking, Coverage, and Risk teams to develop and execute credit analysis, credit origination, and monitoring relevant matters. - Deliver client fraud risk assessments to defined standards, documenting residual risks and mitigants. - Provide credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers, FI Bankers, and Product teams. - Analyze client cash flow and liquidity with ratio analysis and/or stress testing balance sheet strength, cash flow, and profitability vulnerability. - Consider market dynamics and client industry in credit analysis, including industry risks, client competitive positioning, funding strategy, financial policies, treasury activities, and reputational risk profile. Qualifications Required: - Risk management lifecycle knowledge. - Financial forecasting and modeling skills. - Financial and quantitative skills. - Client due diligence expertise. - Product knowledge for Markets, Transaction Banking, and Corporate Finance. - Knowledge of the financial services regulatory environment. - Data analysis and visualization capabilities. About Standard Chartered: Standard Chartered is an international bank with a rich history of over 170 years, committed to making a positive difference for clients, communities, and employees. The bank values diversity, inclusion, integrity, innovation, and continuous improvement. If you are looking for a purpose-driven career in a bank that prioritizes growth and values unique talents, Standard Chartered is the place for you. The bank offers competitive salaries, comprehensive benefits, flexible working op