Associate, Credit Analyst

at  Standard Chartered

Job: Institutional Banking
Primary Location: Europe & Americas-Germany-Frankfurt
Schedule: Full-time
Employee Status: Permanent
Posting Date: 11/Apr/2024, 9:30:37 AM
Unposting Date: Ongoing
Job Opportunity: Associate, Credit Analyst
Location: Germany, Frankfurt
Join us in this exciting opportunity to be part of a dynamic and collaborative environment.
The role of Associate 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.

QUALIFICATIONS:

• Graduates
• Sound knowledge of accounting and financial principles
• MBA or CFA qualifications advantageous

EXPERIENCE & SKILLS:

• Minimum 3 years’ relevant experience in banking, rating agency, treasury, or accounting preferred
• Strong analytical ability focused on credit risk assessment
• Fluency in English and German
• Ability to hold credible dialogue at all levels

ABOUT STANDARD CHARTERED

We’re an international bank, nimble enough to act, big enough for impact. For more than 160 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
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

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, parental/maternity (20 weeks), sabbatical (12 weeks 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.

Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you’ve applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.
Visit our careers website www.sc.com/careers

THE ROLE RESPONSIBILITIES:

• Timely drafting of credit analysis as directed by the relevant Team Leader, ensuring insights, relevance, and succinctness.
• Assessment of the client’s competitive positioning within its industry.
• Articulation of the client’s strategy and assessment of its clarity and associated execution risks.
• Assessment of funding strategy, financial policy, treasury activity, and liquidity.
• Analysis of balance sheet strength, cash flow, profitability vulnerability, via ratio analysis and stress testing.
• Preparation of various analyses as directed by the Team Leader, such as industry-specific reviews, portfolio reviews, stress tests, etc.
• Completion of account spreading and scorecard determination within Creditmate, proposing preliminary credit grading to Credit.
• Finalization of relevant Group Mandate and/or Business Credit Application for assigned clients.

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
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long ter