Job Description RESPONSIBILITIES Conducting a thorough and comprehensive credit assessment of counterparty’s credit profile, financial data, such as income statements, balance sheets, and credit reports (including performing peer analysis) to identify potential risks associated with lending. This should be comprehensively done in tandem with industry analysis (using Porter’s 5 Forces and Value Chain Analysis) and stay up-to-date on industry trends, financial regulations, before submitting the written recommendation for approvals to credit risk department Functional Strong knowledge on accounting principles, financial statements, and credit risk management. Good knowledge on financial and banking products. Strong analytical skills Ability to clearly communicate findings and recommendations Attention to details with accuracy to data entry and analysis. Bloomberg and Reuters functional knowledge. Behavioural Result Orientation Client Focus Contribution to Strategy Change leadership Cooperation Profile Required Responsible for evaluating the financial performance of corporate clients by understanding and spreading financial statements in pre-determined templates, analysing economic conditions and industry trends, comparing counterparty performance relative to peers, client strategy and management assessment, incisive financial statement analysis using financial ratios, templates and models, complete covenant compliance, financial projection, peer analysis, and providing a near term outlook and credit recommendation. Responsible for the accuracy of inputting financial and economic data. Working closely with both onshore and offshore analysts and credit officers in respective regions to evaluate risk and to monitor a client portfolio. Responsible to research, write and present financial and industry analysis impacting credit decisions and submit the documents for approval. Participate in process improvement initiative of the team. 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, escalate, mitigate and resolve risk, conduct and compliance matters. Qualification 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) Relevant experience in credit analysis and credit support roles in the CCIB or Global Banking Sector (minimum of 2 years preferred for Credit Analyst roles) 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 Excellent oral & written communication and presentation skills Role Specific Technical Competencies Financial Statement Analysis, Credit Analysis and Verification, Credit Risk Management, Analytical Thinking Industry Knowledge, Addressing Customer Needs, Banking Products and Processes, Ability to write to credit and industry reports, Stakeholder Management Problem Solving, Change Management, Negotiation 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 Profile Description Knowledge on marketable securities, analysing trend/performance of a share, stock, mutual funds, equities etc, knowledge on credit underwriting, lending structuring, credit ops We Offer 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. Interested candidates can share profile on SnehalSunil.Shinde@sc.com Show more Show less