Associate Director - Credit Analyst, Financial Institutions

Standard Chartered; Frankfurt; Vor Ort; EUR 80.000 - 120.000; Vollzeit

Zusammenfassung

A leading international bank is seeking an Associate Director-Credit Analyst for their Frankfurt office. This role involves leading credit reviews, analyzing client credit risk, and partnering with various teams to execute credit analysis. The ideal candidate will have extensive experience in financial institutions and strong analytical skills, contributing to the bank's commitment to making a positive impact.

Leistungen

Core bank funding for retirement savings

Flexible working options

Proactive wellbeing support

Continuous learning culture

Time-off including annual leave and sabbatical

Qualifikationen

• Minimum 5-10 years of experience in a similar role or rating agency.
• Experience in credit analysis of Financial Institutions/Banks and Brokers Dealers preferred.
• Strong academic record is essential.

Aufgaben

• Lead credit reviews and monitor client credit risk.
• Develop financial models and conduct stress tests.
• Provide timely client portfolio credit analysis.

Kenntnisse

Analytical ability

Communication skills

Data analysis

Fluency in English

Knowledge of German

Ausbildung

Bachelor’s degree in economics, mathematics or accounting

Tools

Excel

Word

Jobbeschreibung

Job Summary

We are currently looking for an Associate Director-Credit Analyst, Financial Institutionsto join ourFrankfurtoffice to work on ourFinancial 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.

Key Responsibilities

• 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.

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 thingand 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-offincluding 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 workingoptions based around home and office locations, with flexible working patterns.
• Proactive wellbeing supportthrough 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 cultureto 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.