Standard Chartered · 1 day ago
Director, Credit Analyst
New York, United States
Full-time
Hybrid
Lead/Staff
$170K/yr - $210K/yrStandard Chartered is an international bank committed to making a positive difference for clients and communities. The Director, Credit Analyst is responsible for credit initiation and periodic assessment of credit risk for Global Corporate clients in the U.S., ensuring compliance with bank policies and conducting thorough financial analyses.
BankingFinanceFinancial Services
Responsibilities
This position is responsible for credit initiation of new clients as well as periodic credit risk assessment of existing Global Corporate clients in the U.S. This would include timely drafting of credit analysis through Business Credit Applications (BCAs) as directed by the Head of Segment/Relationship Managers. Such analysis should be independent and in line with bank approved credit policies and processes and include the following:
Discuss overall exposure on the Client/Group, rationale for limits (including lending, trade, corporate finance and FX products), assess overall economic loss and determine business and risk approving authorities
Assess the dynamics and nature of the Client’s/Group's business and industry, including key risk aspects
Conduct peer analysis and assess the Client’s/Group's competitive positioning within its industry
Assess management strength, experience and track record and corporate governance
Articulate the Client’s/Group's strategy and an assessment of its clarity and associated execution risks
Assess funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity
Prepare financial spreads and Internal scorecard to assign internal rating grade to the Client
Assess balance sheet strength, alongside cash flow and profitability vulnerability, via trend and ratio analysis
Assess other pertinent risk aspects and mitigating factors, including country risk, parental and/or governmental linkage/support, holding company risk, collateral evaluation, covenant structure and cushion analysis, relative ranking of indebtedness, structural and / or contractual subordination aspects etc
Conduct leveraged lending assessment in line with U.S. regulatory requirement and support with base and stress case projections to assess repayment capacity over 7 years as well as Enterprise Valuation Analysis (EVA) for high-risk clients
Support completion of mandatory checklists including Climate Risk Assessment, Environment & Social Risk Assessment and Reputational Risk assessment
Complete Fraud Risk Assessment for all clients including assessment of red flags in the fraud risk report and trade counterparty assessment
For FX limits, complete limit review and substantiation exercise in line with Financial Markets Appropriateness and Credit Term Sheet updates based on RM/Risk feedback
The position is also responsible for the following portfolio credit monitoring activities: Completion of annual credit reviews of assigned accounts and re-assess key risks and re-evaluate internal credit grade. Ensure zero annual credit review overdues and minimize review extensions
Identify client limits with low / nil utilization and escalate to the respective Relationship Manager for input / additional discussions with product partners and / or clients
Prepare interim BCAs to increase / decrease limits, propose amendments/waivers, refresh financial analysis, update Credit Grade (when required), etc
Support coverage team in structuring deals and present credit proposals in senior business and risk approval committees
Monitor Covenants & Risk Triggers (C&RTs). Raise any breaches under (C&RTs) to Relationship Manager, and Credit
Monitor and assess rating agencies actions including downgrades or outlook changes
Perform credit stress testing on assigned names, when required
Ensure compliance with all internal and regulatory credit / other portfolio related policies in conjunction with GAMs. Support senior Credit Analysts and GAMs in preparing and responding to internal / external audits and regulatory exams
Qualification
Required
Analytical strength – to spot emerging risks, in particular forward-looking industry trends
Gravitas – to engage with Relationship Managers and Clients alike, have the ability to challenge in a constructive manner
Collaborative – to work in partnership with stakeholders to ‘get things done,' fulfilling the Job Purpose
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
Graduates / Graduate calibre
Sound knowledge of accounting and financial principles gained by experience or qualification
Preferred
MBA or CFA qualifications advantageous, but not required
Benefits
Best in class 401k plan with up to 8% employer match
Robust medical plan coverage with employer funded Health Savings Accounts
Inclusive family building benefits
Flexible/hybrid working arrangements
Core bank funding for retirement savings
Medical and life insurance
Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days)
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
Self-help toolkits
A continuous learning culture to support your growth
Opportunities to reskill and upskill
Access to physical, virtual and digital learning
Being part of an inclusive and values driven organisation
Company
Standard Chartered
We are a leading international banking group, with a presence in 54 of the world’s most dynamic markets.
Founded in 1853
10001+ employees
H1B Sponsorship
Standard Chartered has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (39)
2024 (34)
2023 (25)
2022 (29)
2021 (28)
2020 (46)
Funding
Current Stage
Public CompanyTotal Funding
$59.75M2023-07-14Acquired
2018-10-01Post Ipo Debt· $43.5M
2016-08-01Post Ipo Debt· $16.25M
Leadership Team
Dalu Ajene
Chief Executive Officer
Jean Lu
CEO China and Executive Vice Chair of the China Board
Recent News
2026-01-07
Company data provided by crunchbase