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jobs description

This inclusive employer is a member of myGwork – the largest global platform for the LGBTQ+ business community.

Job Summary

The role requires active engagement with Coverage/GAM and risk approvers on preparation (and review of) the full credit application package covering limit proposal and all relevant risk types (credit risk, fraud Risk, sanction risk, sustainability / climate risk, transaction risk etc). This also involves ongoing risk monitoring 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's industry, including key risk aspects;

Assessment of the Client's competitive positioning within its industry;

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

Articulation of the Client's... 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

Key Responsibilities

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 and exercises aimed at improving or enhancing the team's activities

Continually strive to share key relevant knowledge and learning's with others across the team

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


Awareness and understanding of the wider business, economic and market environment in which the Group operates.

Engage with GB's strategic and performance objectives in a proactive and sustained manner, with particular focus on removing blockages to appropriate risk oversight and/or business development.

Partnership with Client Coverage in sourcing and retaining client business, including through client engagement, striving to understand client strategy and support on initiatives and growth efforts

Skills And Experience


Ensure adherence to all internal/regulatory policies & regulation.

Ensure adherence to group credit risk policies and procedures.

People & Talent

Maintain the bank's global standard through flawless execution of mandatory learning agenda.

Identify meaningful development opportunities, establish a targeted development plan including formal learning.

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

Risk Management

Be an active member of the first line of defence through identifying, assessing, monitoring of risks, propose controls and mitigation.

Be proactive in ensuring compliance with Bank policies and procedures.

Maintain high standards of credit risk oversight, policies and procedures, cognisant of the regulatory and reputational risk.



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

Experience & Skills

MBA or CFA qualifications advantageous, but not required

Min 3-4 years' relevant experience gained either in banking, rating agency, treasury or accounting environment would be preferred but not mandatory.

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

Strong verbal and written communication skills, 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

Effective oral and written communication

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
London UK


Apply - Associate, Credit Analyst London