Associate Director, Credit Analysis, Ic

Job ID: 32814

Location: Singapore, SG

Area of interest: Corporate & Commercial Banking

Job type: Regular Employee

Work style: Office Working

Opening date: 27 Jun 2025

**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.
- Provide Relationship Managers with client insights in relation to an industry sector, client information and account plans
- 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
- 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.
- Develop good relationship with clients to understand their banking requirements, structure deals, and get insights into their business and financials
- Assist, train and mentor Junior Credit Analysts, Interns and International Graduates.
- Education Degree in Accounting or Finance & Banking
- Business communication proficiency
- 7+ Years of experience in Credit Risk Management
- Account Knowledge, Financial Analysis Skills and banking products Knowledge.
- Strong interpersonal and communication skills
- Ability to manage several ongoing tasks at any one time

**Role Specific Technical Competencies**
- 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 visualization
- Ability to work under pressure, in a dynamic environment.

**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 wo