Associate Principal Credit Analyst Role | Apply Now!

Job Details

🏦 Company: Standard Chartered Bank
📌 Job Title: Associate Principal, Credit Analyst – Financial Institutions
📍 Location: Johannesburg, South Africa
💼 Employment Type: Permanent
🏢 Work Arrangement: Office-Based
⏳ Closing Date: 21 January 2026
🆔 Requisition Number: 46964

About the Role

The Associate Principal, Credit Analyst will play a critical role in supporting Relationship Managers and Coverage teams through comprehensive credit risk assessments and portfolio monitoring of financial institution clients. The role combines deep analytical expertise with commercial insight to ensure credit decisions align with Standard Chartered’s risk appetite, regulatory expectations, and evolving market conditions.

This position operates at the intersection of risk management, client coverage, and strategic portfolio oversight within the Corporate & Investment Banking division.

About Banking & Coverage

The Banking and Coverage team owns and leads the management of client relationships globally. Working across Standard Chartered’s international network, the team partners with product specialists to deliver working capital, trade finance, cash management, market solutions, and corporate finance offerings to clients across diverse markets and asset classes.

Key Responsibilities

• Lead end-to-end credit reviews and ongoing risk assessments for financial institution clients

• Deliver clear, concise, and timely credit portfolio analysis using quantitative and qualitative insights

• Prepare detailed financial spreads and recommend internal credit ratings in line with approved scorecards

• Monitor portfolios for early warning indicators and credit-relevant events

• Partner with Relationship Managers, Coverage teams, and Risk functions to structure credit originations, mitigants, and portfolio strategies

• Conduct client fraud risk assessments in line with Standard Chartered standards, identifying residual risks and appropriate mitigations

• Provide credit intelligence to support business development opportunities aligned with risk appetite

• Analyse sector, market, and macroeconomic factors impacting client performance and risk exposure

• Perform in-depth liquidity, cash flow, ratio, and stress testing analysis to assess balance sheet resilience

• Evaluate reputational, sustainability, and climate-related risks as part of holistic credit assessments

• Ensure full regulatory compliance, documentation accuracy, and high-quality risk reporting

Skills and Experience

• Strong understanding of the credit risk lifecycle within financial institutions

• Proven experience in portfolio monitoring, risk identification, and mitigation techniques

• Advanced financial modelling, forecasting, and quantitative analysis capabilities

• Experience conducting comprehensive client due diligence, including behavioural and strategic considerations

• Broad product knowledge across Transaction Banking, Markets, and Corporate Finance

• Familiarity with banking regulations and compliance requirements affecting credit decisions

• Strong data analysis and visualisation skills to communicate complex credit insights effectively

• Ability to perform under pressure in a fast-paced, high-accountability environment

• Demonstrated strengths in strategic thinking, collaboration, customer focus, and sound judgment

Why Join Standard Chartered

Standard Chartered is an international bank with over 170 years of heritage, operating across some of the world’s fastest-growing markets. The bank is driven by its purpose to drive commerce and prosperity through its unique diversity, while living its promise to be Here for Good.

Employees benefit from a culture that values integrity, innovation, inclusion, and long-term thinking—supported by meaningful career development and wellbeing initiatives.

What We Offer

• Competitive salary aligned with the Fair Pay Charter

• Retirement, medical, and life insurance with flexible benefits

• Generous time-off policies including parental leave, sabbaticals, volunteering leave, and global holiday standards

• Flexible working arrangements across home and office

• Comprehensive wellbeing support, including digital wellbeing platforms and employee assistance programmes

• Continuous learning and development opportunities across physical, virtual, and digital platforms

• An inclusive, values-driven workplace where diverse perspectives are celebrated

Company Policy

Standard Chartered Bank is committed to fostering an inclusive and diverse workplace. All employment decisions are made without regard to race, gender, disability, religion, sexual orientation, or any other protected characteristic. The bank supports equal opportunity and encourages applications from individuals who can contribute to its purpose-driven, values-led culture.