About Standard Chartered We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East. To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good. We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base. The Role Responsibilities Credit Analysis To provide insightful, relevant, succinct and timely (see below) credit analysis of a portfolio of SCBs clients (current or prospective). This includes responsibility for proposing counterparty credit grades via the relevant scorecard, and ongoing monitoring for credit-material events. While the portfolio will be industry / geography specific in focus, the role extends to analysing other clients as may from time to time be required Insightful Attuned to the needs of two audiences Client Coverage and Risk - the analysis should provide a forward-looking, focused opinion on the likely development of both business and financial risk elements in their industry / geographic context together with a calibrated articulation of key risks and potential mitigants thereto. Relevant As well as a holistic counterparty assessment, analysis should comment on structural elements relevant to SCBs existing or proposed exposure such as guarantee and security arrangements Succinct While always providing sufficient granularity to substantiate its conclusions and observations, the analysis should present opinion in as structured and succinct a manner as is practical Timely While focused on the prescribed annual review cycle, analysis will also be required where material new exposure is being considered by Client Coverage. In addition, more summary analysis should be produced and disseminated quickly, where relevant Additionally, for any BCA submission it will involve the following Critical review of Environment and Social Risk Assessments, Appropriateness and Suitability Assessments (FM Products); Consistency and coherence review of the Approved Account Plan, Raptor (or equivalent), Client & Group Facility Summary & Structure (including Terms and Conditions) Active partnership with Client Coverage in completion of Risk Profile, Compliance Details, as well as proposed Covenants and Risk Triggers Overall accountability for consistency and coherence of the complete BCA package submitted to Risk will rest with Credit Analysis and is a key element of this Job Purpose. Stakeholder Partnership To partner the teams two key stakeholder communities, Client Coverage and Risk, supporting the former in developing and executing their client strategies and both in respect of credit analysis-relevant matters. Maintaining integrity in analysis at all times is critical. This includes frequent and iterative discussion with both Client Coverage and Risk around draft analysis, key sector / geographic trends, as well as discussion of covenants, risk triggers and the like. It involves proactive idea generation and discussion with Client Coverage around potential business opportunities for SCB, assisting both Client Coverage and Risk around transaction structuring and execution, where relevant, and identifying and alerting stakeholders of emerging risk aspects on a continuous basis. Team development To assist CA Team Leaders in projects focused on improving and enhancing the activities of the team, as well as the quality of credit analysis produced. This includes coaching and supporting the development of newer and less experienced members of the team 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 get things done, fulfilling the Job Purpose Experience & Skills Relevant 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 principles gained by experience or qualification MBA or CFA qualifications advantageous, but not required Relevant language skills advantageous, but not required Apply now to join the Bank for those with big career ambitions.