Credit Analysis Associate – CAU (Italy)

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

Benefits offered by this job

Healthcare

Life assurance

Pension

Family friendly leaves

Wellbeing benefits

Job summary

HSBC Holdings plc in Italy is seeking an Associate in the Credit Analysis Unit to support Corporate and Institutional Banking Relationship Managers. You will prepare high-quality credit proposals and manage the credit lifecycle for corporate and financial institution clients.

The role requires degree-level banking experience with strong knowledge of credit and treasury products, including complex finance transactions. Fluency in Italian and English is essential, and Excel expertise is expected.

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 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 risk mitigants.
• Proven commercial and financial management experience within a service-company operating model.
• Demonstrated ability to prioritize 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 and escalate when needed.
• Advanced proficiency in Microsoft Excel.
• Fluent written and spoken Italian and English.

Responsibilities

• Prepare high-quality credit proposals and manage the credit lifecycle for corporate and financial institution clients.
• Provide credit risk SME support to RMs and risk teams, ensuring alignment with HSBC policies.
• Guide onshore and offshore credit analyses and processes for complex risk matters.
• Act as a point of escalation for complex credit matters and improve turnaround times for credit applications.
• Support engagement between CAU/BCO, Coverage teams and customers, promoting efficient credit analysis and decision-making.

Skills

Credit analysis

Credit risk

Excel

Stakeholder management

Analytical thinking

Communication

Education

Degree-level education

Tools

Excel

Job description

HSBC Holdings plc in Italy is seeking an Associate in the Credit Analysis Unit to support Corporate and Institutional Banking Relationship Managers. You will prepare high-quality credit proposals and manage the credit lifecycle for corporate and financial institution clients.

The role requires degree-level banking experience with strong knowledge of credit and treasury products, including complex finance transactions. Fluency in Italian and English is essential, and Excel expertise is expected.