Director, Credit Analyst

Director, Credit Analyst

Apply to join Standard Chartered as a Director, Credit Analyst. This senior role focuses on credit initiation of new clients and periodic risk assessment of existing Global Corporate clients in the U.S.

• Draft credit analysis through Business Credit Applications (BCAs) in line with bank‑approved policies and processes.
• Assess overall exposure, limits rationale, and economic loss for the Client/Group, determining business and risk approving authorities.
• Analyze the Client’s/Group’s business dynamics, industry, competitive positioning, and management strength, experience, and governance.
• Evaluate funding strategy, financial policy, treasury activities (hedging, cash management), and liquidity.
• Prepare financial spreads and internal scorecard to assign internal rating grades.
• Conduct leveraged lending assessment and stress‑case projections to evaluate repayment capacity over 7 years and enterprise valuation analysis (EVA) for high‑risk clients.
• Support mandatory checklists including Climate Risk Assessment, Environment & Social Risk Assessment, and Reputational Risk assessment.
• Complete fraud risk assessment and perform FX limit review and substantiation in line with market appropriateness.
• Lead annual credit reviews, re‑assess key risks, and update internal credit grades to ensure zero review overdues.
• Monitor covenants, risk triggers, rating agency actions, and perform credit stress testing as required.
• Ensure compliance with all internal and regulatory credit policies and support audits and regulatory exams.

• Financial statement analysis and corporate credit risk management.
• Financial forecasting and modelling.
• Industry knowledge and relationship management.
• Strong analytical ability focused on credit risk assessment.
• Excellent verbal and written communication skills across cultures.
• Organized, multi‑tasking capability and balanced competing demands.
• Collaboration and ability to engage with Relationship Managers, clients, and stakeholders.

• Graduate or graduate‑calibre with sound knowledge of accounting and financial principles.
• MBA or CFA qualifications advantageous but not required.
• Analytical strength to spot emerging risks and industry trends.
• Gravitas to engage constructively with managers and clients.
• Collaborative mindset and ability to get results in partnership with stakeholders.

Standard Chartered is an international bank dedicated to powering commerce and prosperity through diversity and inclusion. We value difference, drive innovation, and foster employee wellbeing through a best‑in‑class benefits package.

• Competitive salary and benefits to support mental, physical, financial, and social wellbeing.
• Base pay range: $170,000 – $210,000 USD.
• Discretionary variable pay and attractive bank‑sponsored benefits, including a 401(k) plan with up to 8% employer match.
• Robust medical plan, Health Savings Accounts, flexible working arrangements, and continuous learning culture.

Mid‑Senior level

Full‑time

Finance and Sales;
Banking