Credit Analyst – Standard Chartered in Petaling Jaya, Selangor

Key Responsibilities

• To provide insightful, relevant, succinct, and timely credit analysis of a portfolio of SCB’s clients (current or prospective).
• Perform periodic reviews on a portfolio of Business Banking Medium Enterprise clients to identify any emerging credit deterioration and recommend remedial action, if any.
• Maintain market awareness so as to be vigilant of trends affecting existing and future credit exposure including regulatory and policy changes.
• Ensure compliance with the Bank’s credit risk underwriting policies and other internal policies, regulatory guidelines and other operating procedures.
• Analysis of financial documentation and supplemental data to support lending decision-making and recommending credit requests to appropriately meet business needs.
• Personally develop and maintain strong working relationships with Relationship Managers along with Client Coverage Managers and Credit Approvers to ensure that all risks to the business, financial and non-financial, are properly recognized and thoughtfully mitigated in proposals.
• Ensure that all work is delivered within agreed timeframes and meets the required high quality standard.
• Pro-actively suggest and design improvements in process workflow, where applicable.
• Support Team Leader and others in the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the team’s activities
• Continually strive to share key relevant knowledge and learnings with others across the team

• Bachelor’s degree in Economics / Accounting / Finance or a related discipline
• Minimum of 3 – 5 years’ relevant experience in Financial Institutions or corporates
• 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
• 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

Role Specific Technical Competencies

• Analytical strength
• Credit Risk
• Financial Analysis and Control
• Market Knowledge

• 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

• 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.