Job Summary

We are seeking a highly motivated Credit Analyst to join our team. The successful candidate will be responsible for preparing credit analysis and full credit application packages across a broad range of risk types—including credit, fraud, sanctions, sustainability/climate, and transaction risk. The role requires active engagement with Coverage, GAM, and Risk teams, as well as ongoing monitoring of client portfolios. This is an excellent opportunity to contribute to prudent risk management while supporting business growth and client strategy.

Key Responsibilities

• Prepare timely, insightful, and succinct credit analyses as guided by the Team Leader.
• Evaluate industry dynamics and key risk factors relevant to the client.
• Assess clients’ competitive positioning, management quality, and governance standards.
• Analyse client strategy, execution risks, financial policy, funding strategy, liquidity, and treasury activities.
• Develop base-case financial forecasts alongside balance sheet, cash flow, and profitability assessments using ratio analysis and/or stress testing.
• Review parental/governmental support, country risk, and relative ranking of obligations.
• Evaluate risks associated with proposed transactions.
• Proactively monitor market, entity, industry developments, and covenant performance for assigned clients.
• Conduct periodic portfolio reviews, industry reviews, and stress tests when required.
• Complete financial spreading, scorecard determination, and propose preliminary credit grades.
• Collaborate closely with Relationship Managers to support client strategy, materials preparation, and risk discussions.
• Partner with Risk teams to present credit analysis and credit grade proposals, and to discuss key risk issues.
• Participate in client visits to support due diligence and enhance credit understanding.
• Act as a subject-matter resource on credit matters for Product, Coverage, and other stakeholders.
• Act as part of the first line of defence by identifying, assessing, and monitoring risks; proposing controls and mitigants where necessary.
• Ensure full adherence to internal policies, procedures, and relevant regulatory requirements.
• Maintain high standards of credit risk oversight and awareness of reputational and regulatory implications.
• Support Team Leaders with ad-hoc projects aimed at improving credit processes, portfolio insights, and team effectiveness.
• Share knowledge, best practices, and key learnings with colleagues.
• Engage with the bank’s broader strategy, focusing on client growth and enabling appropriate risk oversight.

Skills and Experience

• Minimum 1 year of relevant experience (Corporate credit analysis) gained either in banking, rating agency, treasury or accounting environment would be preferred.
• Strong analytical ability, focused on the assessment and calibration of credit risk.
• Strong verbal and written communication skills in English, with proven ability to work across cultures and within a dynamic environment.
• Ability to speak German (B2 level and above) preferred.
• Able to hold credible dialogue at all levels of the organisation.
• Well organized, able to multi-task and balance competing demands.

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 work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• 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), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.