Credit Analyst, Medium Enterprise

Requisition Number: 64204

Job Location: Hanoi, VNM

Global Grade: Band 7

Work Type: Office Working

Employment Type: Permanent

Posting Start Date: 13/10/2026

Posting End Date:

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Job Summary

• Contribute toward achieving team’s overall target and delivering optimal portfolio risk and return within acceptable risk parameters.

• Collaborate and build effective partnerships with RMs, team leaders, product partners, segment heads, as well as partners in risk, compliance, other support functions, and product

Strategy

• Contribute toward achieving team’s overall target and delivering optimal portfolio risk and return within acceptable risk parameters.

• Collaborate and build effective partnerships with RMs, team leaders, product partners, segment heads, as well as partners in risk, compliance, other support functions, and product

Origination

• Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.

• Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.

• Work with the RM, in a) obtaining all pre clearances b) preparing & presenting work-shopping note, transaction notes and c) expediting approvals.

• Responsible for end-to-end BCA process using tools like Creditmate, RMWB, Raptor, Scorecard, etc and perform in-depth analysis of various risks, make quality presentations, and ensure fast credit approval

• Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the BCA/ Regulatory checklist, other special reporting requirements, etc.

• Coordinate and prepare for credit meetings

Key Responsibilities

Post Deal Account monitoring

• Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.

• Ensure timely submission of quality Quarterly Credit/ Performance Reports

• Review reports from various tools – like Fraud Risk Analytics, Credit Analytics etc.

• Monitor Risk Triggers, Covenants and other credit conditions and report appropriately

• Ensure Zero BCA and CaRT over dues.

• Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.

• Proper maintenance of Credit files and ensuring Audit Ready at any time

• Attend EAR/Portfolio calls along with the RMs

• In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank’s policies and guidelines

• Work with RM on account management with stressed asset team

• Embed usage of Credit Risk Analytics and Credit Analytics Framework.

• Ensure portfolio is maintained with high quality – both, from credit risk and hygiene perspective.

Processes

• Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.

• Support the framework for effective management of operational risks across the Business and compliance with applicable internal policies, and external laws and regulations at a global level.

• Support the execution of Business strategy in a safe and well-controlled manner and on an end-to-end basis – incorporating infrastructure requirements and ensuring that they are fit-for-growth.

• Timely handling of customer issues, complaints, and product enquiries in accordance with established procedures

Others

• Prepare timely Stress Tests wherever required

• Prepare specific industry study

• Prepare Credit Opinion reports wherever required.

• Effective use of Creditmate & RMWB

• Be prepared to do any other activity which might be required from job perspective

Regulatory & Business conduct

• Display exemplary conduct and live by the Group’s Values and Code of Conduct.

• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.

Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters

Key Stakeholders
External

• Clients

• Rating agencies

• Legal firms, Accountants etc

Internal

• Credit

• Relationship Manager

• Product Teams

• Other stake holders (FM/TB/IMO/Audit etc)

Other Responsibilities

• Embed Here for good and the Group’s brand and values

• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures

• Work effectively across SCB, using values behaviours to drive overall business growth

• Embed the Group’s values and code of conduct to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture

• Engage with all audit report findings and ensure feedback is acted upon

Skills and Experience

• Understanding Customer Needs

• Business Markets

• Financial Risk Management

• Knowledge of customers

• Selling

• Cross Selling

Qualifications

• University Graduate

• Minimum 6 years of relevant experience in serving business/commercial/corporate clients. Experience in servicing international businesses under the cross-border context is a plus

• Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations

• Sound product knowledge on trade, cash, lending and FX and strong understanding of local industries, supply/value chains and market environment

• Dedicated and committed team player with ability to work independently

• Knowledge of operational procedures, documentation requirements, banking practices and regulations related to business and commercial banking

• Firm in all business guidelines and compliance issues

• Sound knowledge of financial markets and investment products

• Outstanding communication and presentation skills

About Standard Chartered

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

• Being part of an inclusive and values driven organisation , one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• 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 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.

Visit our careers website to learn more about us: www.sc.com/careers.