Credit Analysis

Job Title: Credit Analyst, FI

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 Chartereds 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 weve support clients with their transaction banking, financial markets, corporate finance and borrowing needs and provide solutions to nearly 20,000 clients in the worlds fastest-growing economies and most active trade corridors.

Key Responsibilities

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Responsible for evaluating the financial performance of FIG clients (banks, broker-dealers, insurance companies, NBFIs, PSDOs, funds & asset managers) by understanding and spreading financial statements in standard templates, analysing economic conditions and industry trends, comparing counterparty performance relative to peers, client strategy and management assessment, incisive financial statement analysis using financial ratios, templates and models, complete covenant compliance, peer analysis, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and providing a near term outlook and credit recommendation.

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Responsible for the accuracy of internal risk ratings and inputting financial and economic data in rating system.

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Working closely with onshore Analysts and Credit Officers in respective regions to evaluate risk and to monitor a client portfolio.

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Responsible to research, write and present financial and industry analysis impacting credit decisions and submit the documents for approval.

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Participate in process improvement initiative of the team.

Qualification and Experience

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Masters degree in Business/Finance/Accounting and/or professional certifications such as: CA/CFA/CPA or equivalent

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MBA (Finance) from reputed (Tier 1 or Tier 2 institutes)

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Relevant experience in credit analysis and credit support roles in the CCIB or Global Banking Sector in assessment of FI counterparties (minimum of 3 years in Credit Analyst roles)

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Education certifications or qualifications are not mandatory if proven track record and sound knowledge gained by considerable experience in similar roles in other Banks or financial institutions or credit rating organisations

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Ability to hold dialogues with clients and external stakeholders as well as internally across all levels.

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Ability to deal with competing demands and multiple priorities within strict timelines.

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Proven ability to operate across cultures and within a diverse workforce

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Ability to working in dynamic environment with a robust transformation agenda

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Excellent oral

Location

Bangalore