Credit Analysis Associate – Corporate Banking (Italy)

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

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.