JOB SUMMARY

• As a successful Credit Analyst, you will partner theteam's two key stakeholder communities, Sales & RelationshipManagement and Risk, to deliver credit and product solutions. Therewill be emphasis on credit report writing as well as risk analysisand due diligence. Your daily job would include:
• To partner with Relationship Managers in pursuing theirclient strategies through proactive idea generation, support inpreparing materials for client discussion and through discussion onkey risk aspects. Accompanying Relationship Managers on clientvisits, as part of general due diligence in respect of creditanalysis.
• To partner with Risk through clearpresentation of credit proposal, as well as through proactivediscussion of key risk aspects.
• To provideinsightful, relevant, succinct, and timely credit analysis of aportfolio of SCB's clients, current or prospective.
• Documentation support on credit aspects and working withLegal Documentation Unit where applicable.
• Proactive monitoring of key entity or industry wideevents and/or developments, as well as of covenants and risktriggers where applicable.
• Support TeamManager and others in the team on ad hoc projects, strategicinitiatives and exercises aimed at improving or enhancing theteam's activities.
• Contribute towardsachieving team's overall target and delivering optimal portfolioreturn.
• Collaborate and build effectivepartnerships with other Credit Analysts, Relationship Managers,Team Managers, Segment Heads, as well as colleagues in CDD teamsand partners in Risk, Compliance, other support functions, andProduct.

RESPONSIBILITIES
Strategy

• To achieve agreed individual financial and non-financialtargets by acquiring, growing and retaining profitable MediumEnterprise customers within acceptable risk parameters.
• Contribute toward achieving team's overall target anddelivering optimal portfolio return.
• Collaborate and build effective partnerships with otherRelationship Managers, Credit Analysts, Team Managers, SegmentHeads, as well as colleagues in CDD teams and partners in Risk,Compliance, other support functions, andProduct.

Business

• Prepare credit proposal and loan application ofcustomers; prepare annual review on timely basis
• Work closely with credit team to ensure good qualitylending decisions are made; to ensure the strict adherence to theprevailing EAR / credit policy
• Implementagreed business plan, contributing towards team's overalldeliverables
• Regularly feedback to TeamManager and peers on new and anticipated financial and serviceneeds and recommend appropriate improvements toprocesses
• Maintain a high level ofprofessionalism in client engagement, internal stakeholdermanagement and other businessconduct

Processes

• Drive continuous improvement of the operationalefficiency and effectiveness of processes to increase theconsistency of systems and processes.
• Supportthe framework for effective management of operational risks acrossthe Business and compliance with applicable internal policies, andexternal laws and regulations at a global level.
• Support the execution of Business strategy in a safe andwell-controlled manner and on an end-to-end basis - incorporatinginfrastructure requirements and ensuring that they arefit-for-growth.
• Follow and comply with AML CDDpolicies and procedures where applicable
• Identify KYC issues, provide solution or escalate to linemanager if necessary
• Ensure internal /external KYC requirements are adhered to AML CDD policies andprocedures
• Timely handling of customer issues,complaints, and product enquiries in accordance with establishedprocedures

People& Talent

• Embed theGroup's values and culture
• Coach peers andmore junior staff as appropriate
• Partnereffectively with internal stakeholders to deliver effective clientsolutions

RiskManagement

• Abide byappropriate frameworks to guarantee that business is carried outwithin the Group's risk appetite and relevant risks areappropriately managed in conjunction with line managers otherstakeholders.
• Ensure compliance with thehighest standards of regulatory conduct and compliance standardsand practices as defined by internal and external requirements.This includes compliance with regulations and guidelines onSanctions, Anti-Money Laundering (AML), and Environmental andSocial Risk Management (ESRM).
• Abide by theGroup's values and code of conduct and foster a robust culture toensure that adherence with the highest standards of ethics, andcompliance with relevant policies, processes, and regulations amongemployees.
• Ensure that Risk Management mattersthat are brought to the job holder's attention are subject todirect remedial action and/or ensure adequate reporting to therelevant superiors and/or Risk Committees.
• Dowhat is right to avoid reputational risks and operationallosses

Governance

• Ensure relevant systems and controls pertaining to therole remit are in compliance with Group and Business policies,procedures, standards and codes, including those governing all Risktypes, Compliance, Operational Risk, Technology and Operations,Finance and Reputation
• Ensure adherence withthe following Regulatory Compliance policies and processes (as isapplicable):
• Anti-Money Laundering (AML) andall applicable money laundering prevention procedures
• Client Due Diligence & Related PeriodicReviews
• Client SuitabilityStandards
• Treating Customers Fairly
• Approval & review of Credit Applications
• Maintain Documentary standards
• DataConfidentiality
• Cross-Border Policy
• Sanctions
• Environmental and SocialRisk Management (ESRM)
• Anti-Bribery andCorruption (ABC)
• Embed the Group's values andcode of conduct to ensure that adherence with the highest standardsof ethics, and compliance with relevant policies, processes andregulations among employees form part of the culture
• Engage with all audit report findings and ensure feedbackis actedupon

Regulatory &Business Conduct

• Display exemplary conduct and live by the Group's Valuesand Code of Conduct.
• Take personalresponsibility for embedding the highest standards of ethics,including regulatory and business conduct, across StandardChartered Bank. This includes understanding and ensuring compliancewith, in letter and spirit, all applicable laws, regulations,guidelines and the Group Code of Conduct.
• Leadthe Business] to achieve the outcomes set out in the Bank's ConductPrinciples
• Effectively and collaborativelyidentify, escalate, mitigate and resolve risk, conduct andcompliancematters.

KeyStakeholders
Internal:

• Colleagues in BB and CDD teams, Product, Risk, Complianceand other support Functions andBusinesses

External:

• Keyclients

OtherResponsibilities

• EmbedHere for good and the Group's brand and values
• Perform other responsibilities assigned under Group,Country, Business or Functional policies and procedures
• Work effectively across SCB, using values behaviours todrive overall businessgrowth

Our IdealCandidate

• Degree inAccountancy, Banking & Finance, Business Management, Economicsor comparable.
• 2 plus years of relevant workexperience in Business Banking/ Commercial Banking/ CorporateBanking.
• Strong analytical ability focused onthe assessment and calibration of credit risk.
• Proven ability to work across cultures and within adynamic environment.
• Good understanding offinancial statement analysis and banking products such as trade,lending, FX etc.
• Team player with a can-doattitude.

RoleSpecific Technical Competencies

• Account Management for business/ commercial/ corporateclients
• New to Bank Acquisition
• Financial Statement Analysis
• CreditAnalysis and Verification
• Knowledge ofCustomers
• Addressing Customer Needs - Trade,Cash, Lending and FX products and processes
• Analytical Thinking
• IndustryKnowledge
• Problem Account ManagementProcess
• RiskManagement

AboutStandard Chartered

We're aninternational bank, nimble enough to act, big enough for impact.For more than 170 years, we've worked to make a positive differencefor our clients, communities, and each other. We question thestatus quo, love a challenge and enjoy finding new opportunities togrow and do better than before. If you're looking for a career withpurpose and you want to work for a bank making a difference, wewant to hear from you. You can count on us to celebrate your uniquetalents and we can't wait to see the talents you can bringus.

Our purpose, to drive commerce andprosperity through our unique diversity, together with our brandpromise, to be here for good are achieved by how we each live ourvalued behaviours. When you work with us, you'll see how we valuedifference and advocate inclusion.

Togetherwe:

• Do the rightthing and are assertive, challenge one another, andlive with integrity, while putting the client at the heart of whatwe do
• Neversettle, continuously striving to improve andinnovate, keeping things simple and learning from doing well, andnot so well
• Are bettertogether, we can be ourselves, be inclusive, seemore good in others, and work collectively to build for the longterm

What weoffer

In line withour Fair Pay Charter, we offer a competitive salaryand benefits to support your mental, physical, financial and socialwellbeing.

• Core bankfunding for retirement savings, medical and lifeinsurance, with flexible and voluntary benefitsavailable in some locations.
• Time-off including annualleave, parental/maternity (20 weeks), sabbatical (12 monthsmaximum) and volunteering leave (3 days), along with minimum globalstandards for annual and public holiday, which is combined to 30days minimum.
• Flexibleworking options based around home and officelocations, with flexible working patterns.
• Proactive wellbeing supportthrough Unmind, a market-leading digital wellbeing platform,development courses for resilience and other human skills, globalEmployee Assistance Programme, sick leave, mental healthfirst-aiders and all sorts of self-help toolkits
• A continuous learningculture to support your growth, with opportunitiesto reskill and upskill and access to physical, virtual and digitallearning.
• Being part of aninclusive and values driven organisation, one thatembraces and celebrates our unique diversity, across our teams,business functions and geographies - everyone feels respected andcan realise their fullpotential.

RecruitmentAssessments

Some of our roles useassessments to help us understand how suitable you are for the roleyou've applied to. If you are invited to take an assessment, thisis great news. It means your application has progressed to animportant stage of our recruitmentprocess.

Visit our careers websitewww.sc.com/careers