Associate Director

**Job Summary**
- Join us in this exciting opportunity to be part of a dynamic and collaborative environment

**Key Responsibilities**
- Timely drafting of credit analysis as directed by the relevant Team Leader, ensuring insights, relevance, and succinctness.
- Assessment of the client’s competitive positioning within its industry.
- Articulation of the client’s strategy and assessment of its clarity and associated execution risks.
- Assessment of funding strategy, financial policy, treasury activity, and liquidity.
- Analysis of balance sheet strength, cash flow, profitability vulnerability, via ratio analysis and stress testing.
- Preparation of various analyses as directed by the Team Leader, such as industry-specific reviews, portfolio reviews, stress tests, etc.
- Completion of account spreading and scorecard determination within Creditmate, proposing preliminary credit grading to Credit.
- Finalization of relevant Group Mandate and/or Business Credit Application for assigned clients.

**Skills and Experience**

**Qualifications**:

- Graduates
- Sound knowledge of accounting and financial principles gained by experience or qualification
- MBA or CFA qualifications advantageous, but not required

**Experience & Skills**:

- Minimum 3 years’ relevant experience gained either in banking, rating agency, treasury or accounting environment would be preferred but not mandatory.
- 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
- Ability to speak English and German fluently
- 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**
- Experience in banking or accounting, or at a rating agency
- Knowledge of macroeconomic and regulatory environment in Europe
- Good analytical ability
- Strong verbal and written communication skills (in English)
- Well organized, able to multi-task and balance competing demands

**About Standard Chartered**
- We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.
- Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.
- Together we:

- **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

**What we offer**

**In line with our Fair Pay Charter,** we offer a competitive salary and benefits to support your 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), 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.