Job ID: 29594
Location: Frankfurt, DE
Area of interest: Corporate & Commercial Banking
Job type: Regular Employee
Work style: Office Working
Opening date: 22 May 2025

JOB SUMMARY

We are currently looking for an Associate Director- Credit Analyst, Financial Institutions to join our Frankfurt office to work on our Financial Institutions client portfolio.
Our Credit Analysts have extensive knowledge of our risk assessment and portfolio risk management framework which they use to support our Relationship Managers with credit reviews, ongoing risk monitoring and client creditworthiness. They also assess Standard Chartered’s risk appetite against market and economic conditions across the different markets and asset classes.

SKILLS AND EXPERIENCE

- - Sound knowledge of accounting and financial principles and understanding of a bank’s financial statements
- Minimum 5-10 years of experience in a similar role or rating agency
- Experience in the credit analysis of Financial Institutions/ Banks and Brokers Dealers (BBD) clients would be preferrable
- 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.
- Product knowledge for Markets, Transaction Banking and Corporate Finance.
- Knowledge of the financial services’ regulatory environment.
- Data analysis and visualisation.
- Expertise In Excel, Word
- Fluency in English and sound knowledge of German
- Strong academic record is essential (Bachelor’s degree in economics, mathematics or accounting from an accredited university with a minimum 2.1 or equivalent)

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

• Lead credit reviews, analyse and monitor client credit risk, to ensure creditworthiness.
• Periodic portfolio review and analysis of bank counterparties by developing comprehensive financial models and conducting stress tests.
• Provide insightful, succinct and timely client portfolio credit analysis with the focus on Banks & Broker Dealer clients.
• Accountable for proposing credit grades aligned to scorecards, documenting client risk and mitigants, and monitoring for credit-material events.
• Partner with Banking, Coverage and Risk teams to develop and execute credit analysis, credit origination and monitoring relevant matters.
• Deliver client fraud risk assessments to defined standards, documenting residual risks and mitigants.
• Credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers, FI Bankers and Product teams with product solutioning and recommendations.
• Provide credit analysis with consideration for market dynamics and client industry, including:
• Industry risks and client competitive positioning within the industry.
• Client funding strategy, financial policies, treasury activities, including hedging, and cash management.
• Analyse client profitability, capitalisation, asset quality, liquidity / funding and market risk
• Reputational risk profile, including climate and sustainability risks.