Associate, Credit Analyst

Standard Chartered; Dubai; On-site; AED 120,000 - 150,000; Full time

Job summary

A leading international bank is seeking a Credit Analyst to support Account Managers with credit reviews and ongoing risk monitoring. The role involves evaluating creditworthiness, analyzing client portfolios, and assessing risks related to market dynamics and client industries. The ideal candidate will possess strong financial and quantitative skills, with a solid understanding of risk management and financial forecasting.

Benefits

Retirement Savings

Insurance

Flexible Benefits

Time-off

Flexible Working Options

Qualifications

• Knowledge of risk management lifecycle and financial modeling.
• Strong financial and quantitative skills.

Responsibilities

• Lead credit reviews and analyze client credit risk.
• Provide credit analysis considering market dynamics.
• Assess reputational risk including climate and sustainability.

Skills

Risk Management

Financial Forecasting

Quantitative Skills

Client Due Diligence

Data Analysis

Job description

Job Summary

Our Credit Analysts possess extensive knowledge of our risk assessment and portfolio risk management framework. They support our Account Managers with credit reviews, ongoing risk monitoring, and client creditworthiness assessments. They also evaluate Standard Chartered's risk appetite against market and economic conditions across different markets and asset classes.

About Our Banking And Coverage Team

Our Banking and Coverage team manages and develops our Client Relationships globally. They collaborate across our network with product partners to deliver solutions in working capital, financing, trade, cash, and markets. These solutions include sustainable trade finance, credit derivatives, mergers, and acquisitions advisory.

About Corporate And Investment Banking (CIB)

For over 170 years, we have supported clients with transaction banking, financial markets, corporate finance, and borrowing needs, serving nearly 20,000 clients in fast-growing economies and active trade corridors.

Key Responsibilities

1. Lead credit reviews, analyze, and monitor client credit risk to ensure creditworthiness. Provide timely and insightful credit analysis of client portfolios.
2. Spread financials, propose credit grades aligned with scorecards, document client risk and mitigants, and monitor for credit-related events.
3. Partner with Banking, Coverage, and Risk teams to develop credit analysis, origination, and monitoring processes. Deliver client fraud risk assessments, documenting residual risks and mitigants.
4. Identify business opportunities with acceptable risk profiles by supporting Relationship Managers, FI Bankers, and Product teams with product solutions and recommendations.
5. Provide credit analysis considering market dynamics and client industry, including industry risks, competitive positioning, funding strategies, financial policies, treasury activities, and cash management.
6. Analyze client cash flow and liquidity using ratio analysis and stress testing to assess balance sheet strength, cash flow, and profitability vulnerabilities.
7. Assess reputational risk, including climate and sustainability risks.

Skills And Experience

• Knowledge of risk management lifecycle, financial forecasting, and modeling.
• Strong financial and quantitative skills, client due diligence, and understanding of client behaviors.
• Product knowledge in Markets, Transaction Banking, and Corporate Finance.
• Understanding of financial services regulation, data analysis, and visualization.
• Ability to work under pressure in a dynamic environment.

About Standard Chartered

We are an international bank committed to making a positive difference. With a history spanning over 170 years, we challenge the status quo, seek growth opportunities, and value diversity and inclusion. Our purpose is to drive commerce and prosperity through our unique diversity, and our brand promise is to be here for good.

What We Offer

We offer a competitive salary and benefits supporting your wellbeing, including retirement savings, insurance, flexible benefits, time-off, and flexible working options. We promote a culture of continuous learning, inclusion, and respect, providing opportunities for growth and development.

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