Associate CAU

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

Benefits offered by this job

Healthcare

Life assurance

Pension

Family friendly leaves

Job summary

HSBC Holdings plc in Italy seeks an Associate, Credit Analysis to support Corporate and Institutional Banking Relationship Managers. You will prepare credit proposals, manage the credit lifecycle for corporate clients and act as a risk SME, guiding on policy and complex risk matters.

The role requires degree-level education with banking experience, strong knowledge of credit products, and proficiency in Excel.

Qualifications

• 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 elevate 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

Responsibilities

• Supports Corporate and Institutional Banking Relationship Managers in preparing high-quality credit proposals and managing the credit lifecycle for corporate and financial institution clients.
• Provides credit-risk expertise, supports timely decision-making and acts as a point of escalation for complex credit matters.
• Provide the highest quality Credit analysis and associated tasks for country portfolios meeting HSBC standards.
• Promote engagement between CAU/BCO onshore and offshore, Coverage teams and customers including Italy clients.
• Provide guidance on credit analysis to onshore and offshore teams, especially in complex risk matters.
• Serve as Credit Risk SME for RMs on policy and credit lifecycle to reduce touchpoints and improve efficiency.

Skills

Credit risk knowledge

Structured finance experience

Analytical skills

Financial management

Excel proficiency

Bilingual Italian/English

Stakeholder engagement

Negotiation skills

Education

Degree-level education in banking/finance

Tools

Microsoft Excel

Job description

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!

Whatyou 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 elevate 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.

If you have a need that requires accommodations or changes during the recruitment process, please let us know.

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.