Credit Analyst 1

Standard Chartered; Região Geográfica Intermediária de São Paulo; Presencial; BRL 70 000 - 90 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Core bank funding for retirement savings

Medical and life insurance

Annual leave (minimum 30 days)

Flexible working options

Proactive wellbeing support

Continuous learning culture

Resumo da oferta

Standard Chartered is looking for a Credit Analyst to lead credit reviews and analyze client credit risk. The role involves collaborating with Banking, Coverage, and Risk teams to assess creditworthiness and deliver insightful credit analysis. Ideal candidates should possess strong financial and quantitative skills along with experience in risk management. This position offers flexible working options and a supportive learning culture, making it an ideal opportunity for growth.

Responsabilidades

• Lead credit reviews and analyze client credit risk.
• Provide succinct client portfolio credit analysis.
• Monitor client risk and deliver fraud risk assessments.
• Partner with teams for credit analysis and monitoring.
• Analyze client cash flow and liquidity with ratio analysis.

Conhecimentos

Risk management lifecycle

Financial forecasting and modelling

Financial and quantitative skills

Client due diligence

Using client behaviours to evolve products

Product knowledge for Markets

Knowledge of regulatory environment

Data analysis and visualisation

Ability to work under pressure

Descrição da oferta de emprego

Job Summary

Our Credit Analysts have extensive knowledge of our risk assessment and portfolio risk management framework which they use to support our Account 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.

Key Responsibilities

• Lead credit reviews, analyse and monitor client credit risk, to ensure creditworthiness.
• 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.
• 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.
• Client due diligence.
• 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.

What We Offer

• 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 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.