Credit Analyst

Standard Chartered; São Paulo; Presencial; BRL 60.000 - 120.000; Tempo integral

Resumo da oferta

An established international bank is seeking a proactive Credit Analyst to join their dynamic team in São Paulo. In this pivotal role, you will collaborate with various teams to drive credit origination and assess client credit risk, particularly in the Technology, Media, Telecom, and Fintech sectors. Your analytical skills will be crucial in providing timely credit analysis and developing strong client relationships. This is an excellent opportunity for self-driven candidates looking to make a significant impact in a collaborative and inclusive environment, where your contributions will help shape the future of banking and finance.

Serviços

Core bank funding for retirement savings

Medical and life insurance

Flexible working options

Proactive wellbeing support

Continuous learning culture

Time-off including parental leave

Volunteering leave

Sick leave

Employee Assistance Programme

Qualificações

• Strong analytical skills and ability to assess client credit risk.
• Experience in financial forecasting and understanding of market dynamics.

Responsabilidades

• Lead credit reviews and monitor client credit risk to ensure creditworthiness.
• Deliver insightful credit analysis and partner with teams for credit origination.

Conhecimentos

Risk management lifecycle

Financial forecasting and modelling

Financial and quantitative skills

Data analysis and visualisation

Product knowledge for Markets, Transaction Banking and Corporate Finance

Knowledge of the financial services' regulatory environment

Ability to work under pressure

Formação académica

Bachelor's degree in Finance or related field

Descrição da oferta de emprego

Area of interest: Corporate & Commercial Banking

We are seeking a Credit Analyst to join our Credit Analysts team at Standard Chartered Bank in Sao Paulo. The successful candidate will be working with the Team Lead, Credit Analyst, Americas as well as other team members to drive origination, develop strong client relationships and be seen as an expert in Credit Analysis area by internal and external stakeholders. The candidate will need to support the Credit Analyst team in the U.S. with credit initiation of new clients as well as periodic credit risk assessment of existing clients in various portfolios in the U.S. The responsibilities would also include management of team deliverables, timely drafting of credit analysis through Business Credit Applications (BCAs) and Group Mandates as directed by the Credit analyst team in the U.S. The candidate will further have to support the team with ensuring the Pillars Credit Analysis, propose all deliverables to the U.S. Credit Analysts who will then lead the approval process with different teams such as the Risk department.

We appreciate self-driven candidates who will be working closely with the wider Credit Analysis team, coverage and product partners to develop an understanding of the competitive landscape and identify prospective partners who can address customer needs and accelerate growth. We believe that a willingness to acquire new skills will contribute to success in this role.

Key Responsibilities

• Lead credit reviews, analyse and monitor client credit risk, to ensure creditworthiness. Focus on the Technology, Media, Telecom and Fintech industry is highly desirable.
• Provide insightful, succinct and timely client portfolio credit analysis.
• Accountable for spreading financials, 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 cash flow and liquidity with ratio analysis and/or stress testing balance sheet strength, cash flow and profitability vulnerability.
• Reputational risk profile, including climate and sustainability risks.

Skills and Experience

• Risk management lifecycle.
• Financial forecasting and modelling.
• Financial and quantitative skills.
• Using client behaviours and preferences to evolve products and services.
• Product knowledge for Markets, Transaction Banking and Corporate Finance.
• Knowledge of the financial services' regulatory environment.
• Data analysis and visualisation.
• Ability to work under pressure, in a dynamic environment.

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.

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.