Associate, Credit Analyst

Role Responsibilities

• Specializing in Financial Institutions clients with knowledge of Banks; Broker Dealers; Insurance; Leasing; Sovereign clients preferred.
• Prepare comprehensive and clearly written group mandates and business credit applications for credit approval on a timely and effectively basis.
• Seek credit approval to waive or change of facility terms and conditions.
• Follow up closely with customers or respective Relationship Manager on submission of financials for timely preparation of credit grade assessment and financial analysis.
• Proactively monitor excesses and communicate with customers in line with account strategy, seek proper approval for excesses and monitor loan & bills repayments in accordance with the Bank's policies and procedures.
• Monitor risks on a continuous basis (via monthly CaRT checking, financial updates and press releases / news) with prompt reporting and appropriate action to deal with irregularities in order to minimize loss to the Bank.
• Attend client meetings and site visits as part of risk assessment.
• Participate in and provide feedback on ad hoc credit related exercises and risk reporting (e.g. Tall Tree stress testing, industry review).
• Assist in preparation of regulatory (e.g. HKMA), internal reports (portfolio review).

Regulatory and Business Conduct

• Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Lead to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment].
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association.

Our Ideal Candidate

• University degree major in Finance / Accounting / Business, Auditing background preferred.
• 3 - 6 years professional and solid working experience in corporate lending business, exposure in blue chips and / or red chips preferred.
• Specialising in Financial Institutions clients preferred.
• Good command of spoken and written English, Cantonese and / or Mandarin.
• Able to work under pressure and multi-tasking.
• An organized team player who can work independently.
• Good inter-personal and negotiation skill.

Apply Now to join the Bank for those with big career ambitions.