Some careers have more impact than others.
If you’re looking for a career where you can make a real impression, join HSBC and discover how valued you’ll be.
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, BCO CoE.
Principal responsibilities
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Own the end-to-end credit application process: Prepare credit applications supported by rigorous analysis of financial statements, projections/modelling, industry and competitor research, and relevant market intelligence.
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Partner with Relationship Managers: Understand transaction structures, lending purposes and repayment sources, and support the structuring of appropriate short- and long-term credit solutions.
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Assess and mitigate risk: Identify key risks, ensure proposals align with internal credit policies and guidelines as well as applicable regulatory requirements, and recommend appropriate risk mitigants.
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Manage and monitor a portfolio: Track compliance with financial and non-financial covenants and terms, monitor credit quality trends, and support proactive credit management actions.
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Collaborate across HSBC: Build effective working relationships with Wholesale Credit Risks, product teams and enabling functions (e.g., operations, legal, credit services) to support execution and ongoing facility management.
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Drive process excellence: Deliver work to agreed timelines and quality standards; suggest improvements to workflow, efficiency and credit quality.
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Contribute to team capability (depending on experience): Support quality checks, mentoring and training of new joiners.
Requirements
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Education: Master’s degree in Finance, Accounting, Economics, Business or related discipline (exceptional Bachelor’s candidates may be considered).
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Experience: Typically 1–6 years’ experience in credit analysis, wholesale lending or relevant corporate finance is preferred. Outstanding fresh graduates with strong academic backgrounds and a clear interest in developing in credit analytics are also welcome.
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Core credit skills: Strong grounding in accounting, financial analysis, cash flow forecasting, credit assessment and risk identification/mitigation. Ability to process large volumes of information and distil key issues.
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Communication: Strong stakeholder management and collaboration skills; excellent written and verbal English, including the ability to produce high-quality credit papers in English.
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Organisation: Strong prioritisation and time management skills, with the ability to manage multiple deliverables with attention to detail.
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Tools: Strong proficiency in Excel and Word.
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Knowledge add-ons (preferred): Awareness of sector drivers and market trends; basic knowledge of commercial banking products is an advantage.
Due to the urgent hiring need, candidates with immediate right to work locally and no relocation need will be prioritised.
You’ll 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 an 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.
