Associate CAU

HSBC Holdings plc; Lombardia; On-site; EUR 57,000 - 62,000; Full time

Job summary

HSBC Holdings plc in Italy seeks an Associate in the Credit Analysis Unit to support corporate and financial institution clients with high-quality credit proposals and lifecycle management. You will serve as a credit-risk SME, guiding relationship managers and risk teams to deliver rigorous analyses that meet HSBC standards.

The role requires strong credit knowledge, Excel skills, and fluency in Italian and English.

Qualifications

• Degree-level education with substantial banking experience in credit risk.
• Strong knowledge of credit and treasury products, including key terms and risks.
• Experience with complex/structured finance transactions such as project/export finance and asset-backed lending.
• Excellent analytical, risk assessment and decision-support skills.

Responsibilities

• Prepare high-quality credit proposals and manage the credit lifecycle for corporate/financial institution clients.
• Provide credit-risk SME guidance to Relationship Managers and risk teams.
• Ensure analyses align with HSBC standards, DIMs and FIMs/BIMs.
• Support timely decision-making and escalation for complex credit matters.
• Collaborate with CAU/BCO and Coverage teams to deliver client-facing results.

Skills

Credit risk expertise

Analytical skills

Communication & negotiation

Excel proficiency

Education

Degree-level education

Tools

Excel

Job description

The opportunity: Associate CAU

Being part of HSBC in Italy, you’ll help evolve and grow our business.

The opportunity: Associate CAU

Being part of HSBC in Italy, you’ll help evolve and grow our business.

Do you have credit analysis experience? Have you prepared credit applications or reviews? Do you enjoy analysing financial information and managing risk? If you answered yes, we want to hear from you!

What You Will Do

The Associate, Credit Analysis Unit supports Corporate and Institutional Banking Relationship Managers in preparing high-quality credit proposals and managing the credit lifecycle for corporate and financial institution clients. The role provides credit-risk expertise, supports timely decision-making and acts as a point of escalation for complex credit matters.

In This Role You Wil

• Provide the highest quality, forward looking and professional Credit analysis and Credit-associated tasks for your specific country portfolio which either meets or exceeds HBSC standards and is at all times aligned with pertinent HSBC FIMs / BIMs in line with established DIMs.
• Promote positive engagement between CAU/BCO (onshore and offshore), the Coverage teams and customers including supporting the deliverables required for Italy clients.
• Promote positive engagement between CAU/BCO (onshore and offshore) and Risk Teams.
• Provide guidance to onshore and offshore (to the extent possible) Credit analysis alike as required or relevant especially in more complex risk matters (e.g. analyses, processes, products, markets etc.) resulting in more favorable analyses and quicker turn around times for credit applications.
• Be a Credit Risk Subject Matter Expert ("SME") for RMs for Credit policy and clients' credit lifecycle, thereby reducing touch-points for problem resolution in matters relating to credit risk, promotes a responsive, results-oriented team and reduces day to day administrative or operational burden for coverage teams.

You Should Apply If You Have

• Degree-level education, with substantial banking experience in a credit risk discipline
• Strong knowledge of credit and treasury products, including their key terms, conditions and inherent structural risks.
• Experience in, or sound understanding of, complex and structured finance transactions, such as Project and Export Finance, Structured Trade Finance, Highly Leveraged Transactions and Asset-Backed Lending.
• Excellent analytical, design, problem-solving and risk-assessment skills, with the ability to consolidate complex business information and identify appropriate risk mitigants.
• Proven commercial and financial management experience, ideally gained within a service-company operating model.
• Demonstrated ability to prioritise competing demands, work independently, manage pressure and deliver high-quality outcomes to tight deadlines.
• Highly developed negotiation, influencing and interpersonal skills, with the confidence to engage effectively with senior stakeholders, resolve differing views constructively and escalation matters clearly when required.
• Change-oriented self-starter with a positive, solutions-focused attitude and a strong sense of ownership and accountability.
• Advanced proficiency in Microsoft Office applications, particularly Excel.
• Fluent written and spoken Italian and English

What You’ll Get In Return

The pay range for this role is 57,200.00 € - 62,000.00€

HSBC operates multiple variable pay plans, to reflect the diverse nature of the businesses, roles and markets in which we operate. Variable pay is designed to reward colleagues for their individual performance and contribution, as well as the performance of their relevant Business / Infrastructure, and the overall Group.

We offer a comprehensive and competitive package of benefits covering usually covering healthcare, life assurance, pension, andfamily friendly leaves,as well as many other benefits to support your wellbeing.

HSBC has been certified "Top Employer 2025" in Europe. This recognition from the Top Employers Institute rewards our HR practices and recognises HSBC as an HR Leader in France, Germany, Italy, Luxembourg, Netherlands, Poland, Spain and Switzerland.

Being open to different points of view is important for our business and the communities we serve. At HSBC, we're dedicated to creating diverse and inclusive workplaces. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible for everyone to be at their best.

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For further information on building your career at HSBC, please visit: www.hsbc.com/careers