Credit Analyst I

HSBCCorporate and Institutional Banking(CIB)

HSBC Corporate and Institutional Banking is a markets-led financing-focused business that provides investment and financial solutions. Through our international network we connect emerging and mature markets covering key growth areas. We partner with our corporate government and institutional clients to help them achieve consistent long-term performance. Our products and services include advisory financing prime services research and analysis securities services trading and sales and transaction banking.

We are currently seeking an experienced professional to join our team.

In this role you will:

Conduct end-to-end credit application process including preparation of credit applications based on thorough analysis of financial reports financial modelling / cash flow projections research and other data sources / market intelligence
Work closely with Relationship Managers to build strategic and valued relationships with customers applying knowledge to structure credit facilities and provide value-add advice
Engage in proactive credit management for a portfolio of facility relationships including active global credit appetite management and ongoing credit quality monitoring
Keep up with market sector and competitive trends while developing product and sector/sub-sector knowledge
Keep abreast of external factors influencing both domestic and international business e.g. economic cultural geographical procedural and regulatory requirements
Establish an effective working relationship with WCRM global partners and product teams for ongoing credit management and actively engage in credit approval process
Monitor and manage robust controls in order to ensure credit risk are adequately mitigated and appropriate timely action taken to minimize losses to the Bank
Maintain adequate controls on timely responses to queries from various stakeholders including portfolio review reporting responses on standard/ad-hoc returns
Recommend ideas and contribute to implementing actions that will improve credit process quality work efficiency and the way teams and individuals work together
Compliance with all relevant laws rules and codes with adherence to all internal credit policies/guidelines and external regulatory requirements

To be successful in the role you should meet the following requirements:

Bachelors degree in Business Finance Accounting or a related field
Minimum of 1 years of experience in wholesale credit and lending with sound credit and product knowledge
Excellent analytical and problem-solving skills with the ability to consume large volumes of information and distill key areas of focus
Strong communication and interpersonal skills with the ability to collaborate effectively with different stakeholders
Excellent prioritizing organizational and time management abilities
Excellent verbal and written communication skills

Youll achieve more when you join HSBC.

HSBC is 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 and inclusive and diverse environment. 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.

Issued by HSBC Bank (China) Company Limited