Credit Analyst (Fixed Term Contract, 12 mc)

Standard Chartered Bank; Warszawa; Hybrid; PLN 120,000 - 180,000; Full time

Benefits offered by this job

Flexible working

Wellbeing support

Learning & development

Job summary

Standard Chartered Plc in Warszawa is seeking a Credit Analyst on a 12-month fixed-term contract. You will lead credit reviews, monitor client risk, and support Relationship Managers with analysis and credit origination.

Ideal candidates will possess strong analytical abilities, experience in banking or accounting, and fluent English. The hybrid role offers exposure to global markets and a clear development path.

Qualifications

• Experience in banking or accounting, or at a rating agency.
• Knowledge of macroeconomic and regulatory environment in Europe.
• Strong analytical ability.
• Excellent written and verbal communication in English.

Responsibilities

• Lead credit reviews and monitor client credit risk.
• Spread financials and propose credit grades per scorecards.
• Document client risk and mitigants; monitor credit events.
• Collaborate with Banking, Coverage and Risk teams on analysis and monitoring.
• Provide credit fraud risk assessments to defined standards.
• Identify business opportunities with an acceptable risk profile for Relationship Managers.

Skills

Risk management lifecycle

Financial forecasting and modelling

Financial and quantitative skills

Client due diligence

Data analysis and visualisation

Strong English communication

Ability to work under pressure

Macroeconomic & regulatory knowledge (

Job description

Credit Analyst (Fixed Term Contract, 12 mc)

Requisition Number: 64558 | Job Location: Warszawa, POL | Global Grade: Band 6 | Work Type: Hybrid Working | Employment Type: Fixed Term Worker | Posting Start Date: 06/11/2026 | Posting End Date: 30/11/2026

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.

About our Banking and Coverage team

Our Banking and Coverage team owns and leads the management and development of our Client Relationships globally. They work across our global network with product partners to deliver working capital, financing, trade, cash and market solutions for our clients. The solutions include varied products and services, from sustainable trade finance to credit derivatives, to mergers and acquisitions advisory.

About Corporate & Investment Banking (CIB)

For more than 170 years we’ve support clients with their transaction banking, financial markets, corporate finance and borrowing needs and provide solutions to nearly 20,000 clients in the world’s fastest-growing economies and most active trade corridors.

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, 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.
• 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.

Role Specific Technical Competencies

• Experience in banking or accounting, or at a rating agency
• Knowledge of macroeconomic and regulatory environment in Europe
• Good analytical ability
• Strong verbal and written communication skills (in English)
• Well organized, able to multi-task and balance competing demands

About Standard Chartered

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• 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.
• 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 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.

Visit our careers website to learn more about us: www.sc.com/careers.