Credit Analyst

Standard Chartered; Kuala Lumpur; On-site; MYR 60,000 - 90,000; Full time

Job summary

A leading international bank seeks a Credit Analyst to support Account Managers with credit reviews and risk assessments. The role involves analyzing client creditworthiness and providing market-specific credit analysis. Ideal candidates will possess strong financial analysis skills and knowledge of risk management.

Qualifications

• Strong analytical skills with a focus on client credit risk.
• Ability to leverage client behaviors to improve products.
• Understanding of financial services regulatory environment.

Responsibilities

• Lead credit reviews and analyze client credit risk.
• Provide timely client portfolio credit analysis.
• Partner with Banking and Risk teams for credit analysis.

Skills

Knowledge of the risk management lifecycle

Financial forecasting and modeling skills

Financial and quantitative analysis skills

Client due diligence expertise

Data analysis and visualization skills

Ability to work under pressure

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 various 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, and mergers and acquisitions advisory.

About Corporate & Investment Banking (CIB)

For over 170 years, we've 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.
2. Provide insightful, succinct, and timely client portfolio credit analysis.
3. Spread financials, propose credit grades aligned with scorecards, document client risk and mitigants, and monitor for credit-material events.
4. Partner with Banking, Coverage, and Risk teams to develop and execute credit analysis, origination, and monitoring.
5. Deliver client fraud risk assessments, documenting residual risks and mitigants.
6. Identify business opportunities with acceptable risk profiles by supporting Relationship Managers, FI Bankers, and Product teams with analysis and recommendations.
7. Provide market and industry-specific credit analysis, including risks, client positioning, funding strategies, financial policies, treasury activities, and risk profiles including climate and sustainability risks.

Skills and Experience

• Knowledge of the risk management lifecycle.
• Financial forecasting and modeling skills.
• Financial and quantitative analysis skills.
• Client due diligence expertise.
• Ability to leverage client behaviors and preferences to improve products and services.
• Product knowledge in Markets, Transaction Banking, and Corporate Finance.
• Understanding of the financial services regulatory environment.
• Data analysis and visualization skills.
• Ability to work under pressure and adapt to changing priorities.

About Standard Chartered

We are an international bank, agile enough to act and impactful enough to make a difference. For over 170 years, we've aimed to positively influence our clients, communities, and colleagues. We challenge the status quo, embrace challenges, and seek new growth opportunities. We value diverse talents and are committed to inclusion.

Our purpose is to drive commerce and prosperity through diversity, and our brand promise to be here for good, reflected in our valued behaviors. We promote integrity, continuous improvement, innovation, inclusivity, and collaboration.

We celebrate our differences and foster an inclusive environment where everyone can thrive.