Associate Director - Credit Analyst

Due to the growth in our European business , we are looking for a motivated colleague to join our Frankfurt office as Associate Director, Credit Analyst.
In this role you will be responsible for the preparation and review of the full credit application package for our corporate clients covering limit proposal and all relevant risk types (credit risk, fraud risk, sanction risk, sustainability/climate risk, transaction risk etc.). You will also monitor those risk on an ongoing basis.
You will closely collaborate with our Coverage, Global Account Manager and Risk Approver teams responsible for Germany so apart from being fluent in English, you should also be able to speak German fluently.

Key Responsibilities

• Responsibility for end-to-end credit analysis for a portfolio of German corporate clients as well as analysis of new clients and transactions. This includes:
- Discussing the dynamics and nature of the Client’s industry, including key risk aspects;
- Conducting in-depth analysis of the Client's competitive positioning, and management strength
- Articulation of the Client’s strategy and an assessment of its clarity and associated execution risks
- Assessment of funding strategy, financial policy, treasury activity, and liquidity
- Analysis of balance sheet strength, cash flow, profitability vulnerability, via ratio and sensitivity analysis
- Evaluating risks associated with proposed transactions
• Preparation of various analyses, such as industry-specific reviews, portfolio reviews, stress tests
• Completion of account spreading and scorecard determination, proposing credit grading to Risk Approvers
• Finalization of relevant Credit Application for assigned clients
• Monitoring key entity and industry-wide events, covenants, and risk triggers

Skills and Experience

• Minimum 3 years’ relevant experience in corporate analysis gained either in audit, banking, rating agency, treasury or accounting environment would be preferred but not mandatory
• Strong analytical ability, focused on the assessment and calibration of credit risk
• Well organized, able to multi-task and balance competing demands
• Strong verbal and written communication skills, with proven ability to work across cultures and within a dynamic environment
• Fluency in English and German
• Able to hold credible dialogue at all levels of the organisation, as well as with clients

Action Oriented

Customer Focus

Gives Clarity & Guidance

Manages Ambiguity

Develops Talent

Drives Vision & Purpose

Nimble Learning

Decision Quality

Courage

Strategic Mindset

Technical Competencies: This is a generic competency to evaluate candidate on role-specific technical skills and requirements

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.

Read our interaction guidelines: https://www.sc.com/en/interaction-guidelines.html

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