Associate Director, Credit Analyst

• Prepare comprehensive and clearly written group mandates and/or business credit applications for credit approval on a timely and effectively basis.
• Seek credit approval to waive or change of facility terms and conditions.
• Follow up closely with customers or respective Relationship Manager on submission of financials for timely preparation of credit grade assessment and financial analysis.
• Monitor risks on a continuous basis (via monthly CaRT checking, financial updates and press releases/news) with prompt reporting and appropriate action to deal with irregularities in order to minimize loss to the Bank.
• Attend client meetings and site visits as part of risk assessment.
• Participate in and provide feedback on ad hoc credit related exercises and risk reporting (e.g. Tall Tree stress testing, industry review).
• Assist in preparation of regulatory (e.g. HKMA), internal reports (portfolio review).
• Awareness and understanding of the Group's business strategy and model appropriate to the role
• Awareness and understanding of the wider business, economic and market environment in which the Group operates
• Responsible for executing the credit process
• Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from their team and work in collaboration with stakeholders.

• University degree major in Finance / Accounting / Business, Auditing background preferred.
• Minimum 7-10 years professional and solid working experience in corporate lending business, exposure in China Corporates preferred.
• CPA or CFA qualifications advantageous, but not required.
• Good command of spoken and written English, Cantonese and Mandarin.
• Able to work under pressure and multi-tasking.
• An organized team player who can work independently.
• Good inter-personal and negotiation skill.

• 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.

Standard Chartered