Credit Analyst - Corporate Lending & Risk

HSBC Holdings plc; Hong Kong; On-site; HKD 480,000 - 600,000; Full time

Job summary

HSBC Holdings plc is seeking a Credit Analyst for its Business Credit Office in Hong Kong. The role supports Relationship Managers across the end-to-end credit and lending journey, delivering timely, high-quality credit analyses and proposals.

You will apply sound judgement, challenge assumptions and ensure portfolio quality through regular reviews and timely escalation of issues. Strong communication with teams and clients is essential.

Qualifications

• A bachelor’s degree in Business, Finance or a related discipline; a relevant professional qualification would be advantageous.
• At least two years of relevant banking experience, preferably in corporate banking credit analysis or a comparable role.
• Strong knowledge of financial-statement analysis, credit risk assessment, financing structures and relevant corporate banking products.
• The ability to assess credit matters, exercise sound judgement and recommend practical risk mitigants.
• Understanding of risk management, governance and controls within a regulated banking environment.
• Strong communication and stakeholder-management skills, with the ability to build trusted relationships.

Responsibilities

• Deliver BCO activities in accordance with service standards and performance measures.
• Support Relationship Managers across the end-to-end credit and lending journey with responsive service.
• Undertake financial and credit analysis and prepare timely credit proposals for clients.
• Apply sound credit judgement and develop well-researched recommendations to mitigate risks.
• Manage portfolio credit quality through timely reviews, covenants and escalation of material risks.
• Coordinate across teams to support credit and lending execution, including conditions and documentation.
• Participate in deal discussions and client meetings, providing credit insights.
• Share credit knowledge and drive consistent quality standards across the team.
• Contribute to process improvements, controls and transformation initiatives.
• Fulfil First Line of Defence responsibilities by applying HSBC policies and regulatory requirements.

Skills

Credit analysis

Financial statement analysis

Risk assessment

Stakeholder management

Communication skills

Analytical skills

Problem solving

Regulatory controls knowledge

Education

Bachelor's degree in Business or Finance

Job description

HSBC Holdings plc is seeking a Credit Analyst for its Business Credit Office in Hong Kong. The role supports Relationship Managers across the end-to-end credit and lending journey, delivering timely, high-quality credit analyses and proposals.

You will apply sound judgement, challenge assumptions and ensure portfolio quality through regular reviews and timely escalation of issues. Strong communication with teams and clients is essential.