Job Summary

We are currently looking for an Associate Director, Credit Analyst to join our Paris office to work on our Non-Banking Financial Institutions (NBFI) client portfolio with the focus on Insurance clients.

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 Bank’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 with the focus on Financial Institution clients predominantly for insurers •    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 •    Credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers, Financial Institutions Bankers and Product teams with product solutioning and recommendations •    Provide credit analysis with consideration for market dynamics and client industry, including:  o    Industry risks and client competitive positioning within the industry o    Client funding strategy, financial policies, treasury activities, including hedging, and cash management o    Analyze client cash flow and liquidity with ratio analysis and/or stress testing balance sheet strength, cash flow and profitability vulnerability o    Reputational risk profile, including climate and sustainability risks  

Skills and Experience

• Min. 3- 5 years’ relevant experience gained either in banking, rating agency, treasury or accounting environment
• Experience in the credit analysis of Financial Institutions with the focus on Insurance clients is required
• Strong analytical ability, focused on the assessment and calibration of credit risk
• Strong verbal and written communication skills, with proven ability to work across cultures and within a dynamic environment
• Able to hold credible dialogue at all levels of the organisation, as well as with clients
• Well organized, able to multi-task and balance competing demands
• Effective oral and written communication
• Fluency in English is required, fluency in French would be preferred but is not mandatory

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.