Credit Analyst, Corporate & Investment Banking (CIB) job at Standard Chartered Bank | Apply Now

In this role, you will:

• Lead comprehensive credit evaluations and reviews to thoroughly assess client credit risk and verify creditworthiness in alignment with Standard Chartered’s policies and regulatory standards.

• Generate precise and timely credit portfolio analyses, succinctly communicating key findings and recommendations to stakeholders including Account Managers and Risk colleagues.

• Take accountability for detailed financial statement spreading, assigning credit grades in accordance with internal scorecards, and document client risk profiles alongside risk mitigations, vigilantly monitoring for any credit-impacting developments.

• Collaborate effectively with Banking, Coverage, and Risk teams to originate credit assessments and maintain oversight of credit exposures to support sound decision-making.

• Conduct fraud risk assessments on client portfolios, documenting residual risks and recommending mitigants following the bank’s defined frameworks.

• Use credit intelligence to assist in identifying profitable business opportunities that maintain acceptable risk profiles, partnering with Relationship Managers, Financial Institution Bankers, and Product specialists to tailor product solutions.

• Perform in-depth credit analyses encompassing market dynamics and industry-specific risks, including evaluation of:

• Industry trends and competitive positioning of clients within their sectors.

• Client funding strategies, financial policies, treasury functions such as hedging and cash management practices.

• Liquidity and cash flow, applying ratio analyses and stress testing to assess balance sheet resilience and profitability vulnerabilities.

• Reputational risk factors with consideration for environmental impact, climate change, and sustainability-related risks.