HSBC Group

Open positions:1

Global Career Band: 6IC

Why join us?

 In Credit Analysis Unit, we work closely with front line Relationship Managers to conduct credit assessment for our customers and propose appropriate Credit Risk Rating. 

The Opportunity:

 You will learn how to conduct financial analysis, cash flow forecast and risk mitigations, and how to use all these to assess a company’s creditworthiness. Our work requests lots of communications with RMs to understand the structure of the products, the objective of the lending, and the repayment source. It will give you a holistic view of the whole funding process and the key elements of periodical credit assessment. 

What you’ll do:

Our objective is to provide Global Banking and Markets with a single, global onboarding and account maintenance service that uses service company operating principles and a consistent service proposition to deliver high-quality client service, robust client diligence, and process excellence and standardization across each onboarding function from one integrated global team.

• Undertake high quality industry, competitor and client level analysis for Wholesale Banking Relationship Management Team. 
•  Analysis of financial documentation and supplemental data to support lending decision-making and recommending credit requests to appropriately meet business needs. 
• Preparing credit analyses in support of new and existing business relationships. 
•  Personally develop and maintain strong working relationships with Relationship Managers along with executives in Risk to ensure that all risks to the business, financial and non-financial, are properly recognized and thoughtfully mitigated in proposals. 
•  Understand and comply with all relevant policies, FIM guidelines and procedures issued by the Group. Ensure that all work is delivered within agreed timeframes, PLAs and meets the required high quality standard. Pro-actively suggest and design improvements in process workflow, where applicable.
•  Depending on the relevant experience, skill and competence, he or she can be given additional responsibilities like undertaking quality checks, mentoring and training new joiners, etc.

What you will need to succeed in the role: 

•  C.A./Masters in Business, Finance, Economics, Accounting or equivalent education background. 
•  1-3 years of credit or relevant working experience in bank or corporate is preferred. 
•  Open to fresh graduate with outstanding background and willingness to develop in credit analytics field.
• Excellent verbal/written communication skills in English, proficient in credit writing in English. 
•  Highly proficient at Excel and Word. 
•  Good command of credit analysis and financial knowledge. 

What additional skills will be good to have?

 Good to have CPA, CFA, FRM or ESG related certificates.

Please refer the Candidate User Guide in the below link to understand your own journey as a candidate.

https://hsbchrdirect.service-now.com/esc?id=kb_article&table=kb_knowledge&sysparm_article=KB0171483&sys_kb_id=4c793c401b7a1c509e15553a2d4bcb35

You’ll achieve more at HSBC

HSBC is an equal opportunity employer committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and, opportunities to grow within an inclusive and diverse environment. We encourage applications from all suitably qualified persons irrespective of, but not limited to, their gender or genetic information, sexual orientation, ethnicity, religion, social status, medical care leave requirements, political affiliation, people with disabilities, color, national origin, veteran status, etc., We consider all applications based on merit and suitability to the role.

Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.

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(* The information contained in this job description is a true and accurate reflection of the job as specified.)