Associate director, credit analyst

Area of interest: Corporate & Commercial Banking Title: Associate Director, Credit Analyst Location: Sydney, AU Employment Type: Regular Employee Work Schedule: Office - Full Time 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. 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. Provide credit analysis with consideration for market dynamics and client industry, including industry risks and client competitive positioning within the industry. 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. Product knowledge for Markets, Transaction Banking and Corporate Finance. Knowledge of the financial services' regulatory environment. Data analysis and visualisation. Our Ideal Candidate: Bachelor’s degree in Banking or Finance preferred 7+ years’ of experience in banking or other relevant environment CA or CPA or Equivalent professional Degree preferred Risk & AML certified as stipulated by Bank policy for Credit Analyst role Broad and comprehensive knowledge of how to interpret financial statements and ratio analysis Ability to engage with Relationship Managers and Clients alike and also work in partnership with stakeholders Role Specific Technical Competencies: Appreciation of Banking Law and general understanding of Australian Company Law Broad and comprehensive knowledge of lending, credit risk analysis and loans administration Strong Interpersonal skills 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. What we offer: 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). Flexible working options based around home and office locations. Proactive wellbeing support through various platforms and programs. A continuous learning culture to support your growth, with opportunities to reskill and upskill. Being part of an inclusive and values-driven organisation, one that embraces and celebrates our unique diversity. #J-18808-Ljbffr