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Credit Analyst role at Standard Chartered in Guangzhou, hybrid working.
Analyze credit risk, support CIB team and drive quality credit work.
Job Summary
Credit Analysis (“CA”) is an integral part of the CIB. The CA mandate is to deliver best in class credit analysis, monitoring and credit administration work to Stakeholder. The role is responsible for conducting a thorough and comprehensive credit assessment of counterparty’s credit profile, financial spreading and analysis, proposing internal corporate rating, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department, other country required specific credit activities.
Key Responsibilities
Conducting a thorough and comprehensive credit assessment of counterparty’s credit profile, financial spreading and analysis, proposing internal corporate rating, assessment of sustainability & 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 other country required specific credit activities.
Strategy
In line with CIB and Group Strategy.
Business
Support the CIB Client Coverage team for Credit Analysis and other Credit Risk related activities.
Processes
Being able to complete a comprehensive credit analysis of the client’s portfolio based on financials and additional information provided by the client or available on the public domain or from market research agencies.
Assessment of balance sheet strength, alongside cashflow and profitability vulnerability, via ratio analysis and/or stress testing.
Evaluation of specific credit risks associated with the products and type of lending being proposed for the client and in line with the Bank’s policy and credit appetite for products and markets.
Ability to validate projections and working capital requirements as submitted by the client in line with industry and market indices and other indicators prescribed within the Bank’s lending guidelines.
Discussion of other pertinent risk aspects, including country risk, parental support and recourse, regulatory concerns, relative ranking of indebtedness, fraud risk etc.
Key Responsibilities
Ensure use of appropriate calculator in alignment with Credit Policy for relevant approvals
Working closely with onshore Analysts and credit officers in respective regions to evaluate risk and to monitor a client portfolio
Completion of Group Mandate and all sections of the Bank’s Business Credit Application (BCA) pertaining to financial analysis/spreads, scorecards and templates for specific products, structured lending, program financing etc.
Participate in process improvement initiative of the team.
People & Talent
Provide credit specific coaching to newer or less experienced members of the team.
Manage team capacity catering to cyclical workloads - ensure timeliness by proactively planning capacity catering to cyclical demands and peak periods.
Develop training plans for team including induction pack for new joiners.
Support Business in the ad hoc projects and strategic initiatives
Monitor metrics and demonstrate quality and timeliness on credit work.
Lead through example and build the appropriate culture and values in respective team.
Set appropriate tone and expectations from their team and work in collaboration with stakeholder.
Ability to apply sound judgement with critical thinking skills.
Ability to independently drive initiatives with minimum hands‑on supervision and collaborate with other resources in the team to deliver for the task.
Regulatory & Business Conduct
Display exemplary conduct and live by the Group’s 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.
Effectively and collaboratively identify, elevate, mitigate and resolve risk, conduct and compliance matters.
Key stakeholders
In country Credit Analysis team
Other Responsibilities
Embed Here for good and Group’s brand and values in Credit Analysts, CIB China; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats).
Functional
Advanced 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
Skills and Experience
Risk & Credit Underwriting
Analytical Skill, including an understanding of key financial components with the ability to identify root causes and trends.
Knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
Industry research capabilities including risk and key drivers
Written and Verbal communication skill with the ability to communicate clearly and concisely to audiences
Proficient Microsoft Office (Word, Excel and PowerPoint) skill
Qualifications
- Bachelor’s/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)
- Pass Corporate CCC / FICC course and test
- Relevant experience in credit analysis and credit support roles preferred in the CCIB or Global Banking Sector
- 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.
- Strong analytical skills with proven ability to collect and analyse data, establish facts, make recommendations in written and oral form, focused on the assessment and calibration of credit risk.
- Excellent oral & written communication and presentation skills
About Standard Chartered
We’re an international bank, nimble enough to act, big enough for impact. For more than 170 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
- Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
What we offer
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 leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along 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.
Job Skills
Key Skills
Business Administration
Relevant Skills
Strategic Thinking
Balance Sheets
Microsoft Word
Vulnerability
Brand Management
Working Capital
Innovation
Business Credit Reports
Fact Checking
Geography
Continuous Training
Client Coverage
Risk Analysis
Service Orientation
Leadership
Business Support Systems
Governance
Continuous Monitoring
Banking Services
Financial Analysis
Global Financial Services
Assertiveness
Decision Making Skills
Microsoft Office
Cash Management
Calibration
Market Research
Elearning
Team Management
Analytical Thinking
Credit Risks
Sustainability
Ratios Analysis
Reputational Risk
Mental Health
Business Process Improvement
Demonstration Skills
Knowledge of Finance
Microsoft Excel
Industrial Analysis
Microsoft PowerPoint
Team Working
Accounting
Communication Skills
Credit Analysis
Financial Underwriting
Knowledge of Professional Development
Financial Institution
Perseverance
Credit Management
Generally Accepted Accounting Principles
Metrics
Stress Testing
Customer Account Management
Administrative Operations
Critical Thinking