Credit Analyst, SME ME

About the Role

This role is for a Credit Analyst - SME ME at Standard Chartered India.

Key Responsibilities

• Conduct thorough financial analysis of companies to evaluate their credit risk.
• Review financial statements, industry reports, and other relevant data to assess financial performance, liquidity, and solvency.
• Conduct credit ratings and recommendations based on analysis and industry knowledge.
• Monitor and track credit performance of existing clients to identify potential risks and opportunities.
• Provide timely and accurate credit reports to internal and external stakeholders.
• Stay abreast of industry trends and regulatory changes to ensure compliance and best practices.
• Collaborate with relationship managers and other teams to support business development and risk management.
• Quick turnaround on NTB and new deal proposals.
• Maintain overdue BCAs within a 5% threshold.
• Minimize credit reverts, with no more than 1 referback per BCA.
• Ensure downgrade to GSAM < 90 days in EAR is Nil.
• Achieve satisfactory overall audit grade and 100% commitment to code of conduct.
• Timely completion of mandatory e-learning.
• 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.
• Effectively and collaboratively identify, escalate, mitigate, and resolve risk, conduct, and compliance matters.

Requirements & Tech Stack

• Credit Analysis
• Ratio Analysis
• Deal Structuring
• Risk Identification and Mitigation
• Customer Delight
• Policy and Compliance
• Financial analysis software and tools

Qualifications

• Bachelor's or Master's degree in Finance, Accounting, or a related field.
• Strong analytical and financial modeling skills.
• Exceptional communication and presentation skills.
• Ability to work independently and as part of a team.
• Attention to detail and strong work ethic.

About Standard Chartered

Standard Chartered is a global bank connecting clients to its differentiated network, offering growth opportunities in the world's most dynamic markets. Their strategy combines cross-border capabilities and leading wealth management expertise to drive commerce and prosperity through unique diversity. With over 170 years of history and a unique geographical footprint connecting Asia, Africa, and the Middle East, they have built a distinct bank with diverse capabilities and partnerships.

What We Offer

• Inclusion and values-driven organization that embraces diversity.
• Competitive salary and benefits to support 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), with a minimum of 30 days combining annual and public holidays.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, development courses, global employee assistance programme, sick leave, mental health first-aiders, and self-help toolkits.
• A continuous learning culture with opportunities to reskill and upskill, and access to physical, virtual, and digital learning.