Credit Analyst

Not Specified
Job Description



Role Responsibilities

Credit Analysis
Timely drafting of credit analysis as directed by the relevant Team Leader. Such analysis should be Insightful, Relevant and Succinct (see Job Purpose) and include the following, inter alia:


  • Discussion of the dynamics and nature of the Client&rsquos industry, including key risk aspects

  • Assessment of the Client&rsquos competitive positioning within its industry

  • Discussion of management strength, experience and track record and corporate governance more broadly

  • Articulation of the Client&rsquos strategy and an assessment of its clarity and associated execution risks

  • Assessment of funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity

  • Development of a current / forward year base forecast performance expectation

  • Assessment of balance sheet strength, alongside cashflow and profitability vulnerability, via ratio analysis and/or stress testing

  • Discussion of other pertinent risk aspects, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness

  • Evaluation of risks associated with particular proposed transactions, where required


  • Completion of Group Mandate/BCA Part 1, Part 2, financial analysis/spreads, scorecards

  • Ensure use of appropriate calculator in alignment with Credit Policy for relevant approvals (e.g. Raptor, Group Aggregation Calculator)

  • Complete ESRA (

  • For Cat 2 lines, complete Financial Markets Appropriateness and

  • For Cat 2 lines, Credit Term Sheet updates based on RM/Risk/MDU feedback

  • Supporting business on structuring deals

  • Documentation support on credit aspects and working with CRC/LDU on BCA reworks

  • Testing and Monitoring Covenants & Risk Triggers

  • EAR & ASTAR reporting/updates to credit

  • Seek pre-approval endorsements(where applicable)

  • Preparing country specific regulatory check-lists (where applicable)

  • Credit stress testing

  • CCC Certification


Preparation of other analysis as directed by the relevant Team Leader, such as Industry specific reviews, portfolio reviews, assessments of new prospects etc.
Stakeholder Partnership
In respect of Clients where the role-holder is assigned as analyst:

  • Proactive monitoring of key entity or industry wide events and/or developments, as well as of covenants and risk triggers where applicable

  • Partnering Relationship Managers in pursuing their client strategies through proactive idea generation, support in preparing materials for client discussion and through ensuring they are always fully briefed on key risk aspects

  • Partnering Risk through clear presentation of credit analysis and proposed credit grading, as well as through proactive and considered discussion of key risk aspects

  • Accompanying Relationship Managers on client visits, as part of general due diligence in respect of credit analysis

  • Acting as a broader point of expertise in respect of credit aspects with Product and others across SCB


Team Development

  • Support CA Team Leaders and others in the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the team&rsquos activities

  • Continually strive to share key relevant knowledge and learnings with others across the team

  • Provide credit specific coaching to newer or less experienced members of the team


  • business


Regulatory & Business Conduct

  • Display exemplary conduct and live by the Group&rsquos Values and Code of Conduct.

  • Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.

  • Achieve the outcomes set out in the Bank&rsquos Conduct Principles: [Fair Outcomes for Clients Effective Financial Markets Financial Crime ComplianceThe Right Environment.] .

  • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.


  • [Insert local regulator e.g. PRA/FCA prescribed responsibilities and Rationale for allocation]. N/A


[Where relevant - Additionally, for subsidiaries or relevant non -subsidiaries]
Key Stakeholders
Internal Relationships:

  • GAMs, RAMs, FAMs

  • Risk

  • Product partners

  • CDD, where relevant

  • Legal, Audit and Compliance, where relevant

  • Physical Commodity Operations, where relevant


External Relationships:

  • Clients

  • Rating Agencies

  • Market Data Services providers


Other Responsibilities

  • Embed Here for good and Group&rsquos brand and values.

  • Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.



Our Ideal Candidate

Key requirements:

  • Analytical strength to spot emerging risks, in particular forward looking industry trends.

  • Gravitas to engage with Relationship Managers and Clients alike, have the ability to challenge in a constructive manner.

  • Collaborative to work in partnership with stakeholders to &lsquoget things done, fulfilling the Job Purpose


Experience & Skills:

  • Relevant and adequate experience gained either in banking, treasury or accounting environment

  • Strong analytical ability, focused on the assessment and calibration of credit risk

  • Strong verbal and written communication skills (in English), with proven ability to work across cultures and within a dynamic environment

  • Able to hold credible dialogue at all levels of the organisation, as well as with clients


Well organized, able to multi-task and balance competing demands
Educational Qualifications:

  • Graduates / Graduate calibre

  • Sound knowledge of accounting and financial experience gained by experience or qualification

  • MBA or CFA qualifications advantageous, but not mandatory

  • Relevant language skills advantageous, but not mandatory

  • Pass CCC/FICC credit certification (or approved equivalent) within 6 months of start date or upon availability (if not available in this timeframe)



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.
Visit our careers website

Job Source: scb.taleo.net

We are a leading international banking group, with a presence in more than 60 of the world’s most dynamic markets. Our purpose is to drive commerce and prosperity through our unique diversity, and our heritage and values are expressed in our brand promise, Here for good.
Standard Chartered PLC is listed on the London and Hong Kong Stock Exchanges.

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