Analyst - Credit Analysis Unit

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If you’re looking for a career that will help you stand out, join HSBC and fulfil your potential. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.

HSBC is one of the largest banking and financial services organisations in the world, with operations in 64 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions.

We are currently seeking an experienced professional to join our team in the role of Analyst – Credit Analysis Unit

In this role, you will:

• Responsible for the delivery of BCO tasks in line with agreed OKRs, SLAs and KPIs. Support the end-to-end Credit & Capital Management servicing journey, ensuring a seamless and efficient process for both customers and internal stakeholders
• Assist the Relationship Manager with credit analysis and the timely submission of credit proposals for facilities for both existing and prospective clients. Liaise with relevant teams for the preparation of facility letter and any other internal security documents.  Ensure completeness of security documentation prepared by external legal counsel. 
• Proactively manage the credit quality of the supported portfolio by i) conducting periodic credit reviews;    ii) tracking and reporting of compliance with covenants and conditions of approval; and iii) promptly  escalating deviations to the Risk team for resolution.
• Ensure the consistent application of HSBC policies and adherence to regulatory, financial, and legal standards to minimize business and reputational risks. Support the BCO Manager and Team Lead on ad-hoc requirements and other strategic initiatives to streamline and simplify end-to end Credit & Capital Management process
• Participate in deal discussions and meetings with clients as required. Protect the Bank by acting as First Line of Defense and adhering to all controls. Maintain HSBC internal control standards, including timely implementation of internal and external audit recommendations, along with addressing any issues raised by external regulators
• Ensure that all work is delivered within agreed timeframes, PLAs and meets the required high-quality standard. Understand and comply with all relevant policies, FIM guidelines and procedures issued by the Group. Pro-actively suggest and design improvements in process workflow, where applicable. Need to implement the Group Compliance Policy, as applicable to their role.
• Need to be aware of the Operational Risk scenario associated with their role, and to ensure that all actions during their employment with HSBC take account of the likelihood of operational risk occurring. Adhering strictly to compliance and operational risk controls in accordance with HSBC and regulatory standards, policies and practices; reporting weaknesses, compliance breaches and operational loss events.
• Staying abreast of latest guidelines and procedures, FIM and other regional policy guidelines, ensuring necessary guidance is provided to the team.Demonstrate high standard of collaborative skills.
• Closely work with the senior management team and Regional Sustainability Champions to drive various activities as part of the Group's transition to Net Zero along with implementing various strategic initiatives across BCO teams.
• Analysis and investigation of Wholesale portfolio exposure for the Thermal Coal Phase Out Policy (TCPOP) applicability (both lending & capital market transactions) and exposure weighting calculations for eligible counterparties, along with assurance support for ARA reporting.

To be successful you will:

• Post Graduation in Management /Finance/ Economics, or equivalent such as a Chartered Accountant CFA, FRM or equivalent or as per local market conditions.
• Capital markets certifications in Mutual Funds, Derivatives, Stock Markets, etc. would be an added advantage. 0 to 6 years of relevant experience.
• Good understanding of various financing instruments and banking products in corporate banking, financial principles and concepts, budgeting, financial forecasting, financial analysis, ESG and Climate Risk - Understanding ESG policies and their implementation using annual reports, CSR/Sustainability reports and other company filings.
• Adhering strictly to compliance and operational risk controls in accordance with HSBC and regulatory standards, policies and practices; reporting weaknesses, compliance breaches and operational loss events.
• Understanding of risk management principles and practices. This includes the ability to identify, assess, and mitigate risks that could impact the business. Comprehensive understanding of risk management and proven experience in ensuring compliance (self and others) with organizational and regulatory requirements
• Understanding of the financial sector complete with latest developments. Basic Knowledge of FX, Derivatives and other Treasury Products is a must. Must have a clear understanding of the Credit Risk aspect of Treasury products.
• Candidate’s current/past profiles should have involved extensive interactions with diverse stakeholders. Highly proficient at Excel and Word. Database skills will be an advantage. Ability to learn new systems quickly necessary.
• Analytical with a keen eye for details. Strong communication (Verbal and Written) and interpersonal skills, with the ability to collaborate effectively with diverse stakeholders. Keep up to date on the FIM guidelines and credit policies.

You’ll achieve more when you join HSBC.

www.hsbc.com/careers

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.”

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