Analyst Business Credit Office

HSBC; México; On-site; MXN 350,000 - 520,000; Full time

Benefits offered by this job

Paid leave

Well-being & care culture

Job summary

HSBC Mexico is seeking a BCO Analyst to own the end-to-end credit process for Wholesale Banking clients. The role supports Relationship Managers to structure credit solutions, analyze financials, and monitor portfolio quality in a fast-paced banking environment.

The incumbent will interact with Senior Managers across Wholesale Banking, credit risk and back-office teams, while gaining exposure to industries such as media, services, manufacturing, pharma, retail and more.

Qualifications

• BS/ BA in Economics, Actuarial Science, Financial Management or related fields.
• None

Responsibilities

• Structure credit solutions for corporate customers in collaboration with Relationship Managers.
• Monitor lending portfolio and ensure compliance with regulatory and internal policies.
• Collaborate with back-office teams to manage documentation and credit files.
• Engage directly with customers to obtain required information for thorough credit analyses.

Skills

Strong analysis skills

Understanding business drivers

Proactive communication

Organization skills

Written and oral communication

Proficient in English

Financial Statement Analysis

Derivatives knowledge

Education

BS/ BA in Economics

Actuarial Science

Financial Management

Public Accounting

Industrial Engineering

Chemical Engineering

Job description

The Business Credit Office (BCO) team is part of COO at HSBC Mexico. The primary focus of a BCO Analyst is owning the E2E (End to End) process of credit for Wholesale Banking customers in order to support Relationship Managers to structure credit solutions according to financial needs of Corporate and Multinational customers that would increase lending portfolio in HSBC and ultimately would be translated in reaching economic objectives of the bank.

Throughout the tenure of this role, the BCO Analyst teammate will gain exposure with Sr. Managers of Wholesale Banking, Wholesale Credit Risk, and Credit Services (back office) while developing the following skills: financial / business acumen, attention to detail, analytic and strategic thinking, planning and relationship management. The analyst will also be involved in transactions for customers operating in industries such as: Media, Services, Manufacturers, Autoparts, Hospitality, Pharma, Retail, O&G, Agroindustries, Food and Beverage, Transportation, among others

Specific Responsibilities Of a BCO Analyst Include

Increasing lending portfolio:

• (i) Contribute with RMs to structure credit short-termed or long-termed financial solutions for corporate customers;
• (ii) Identify and assess risks of these financings in order to ensure that credit risk is properly mitigated and the deal complies with Mexican banking regulation and internal policies of HSBC;
• (iii) prepare Credit applications 100% written in English where the analyst is expected to undertake an exhaustive assessment of the customer that includes: analysis of financial statements, industry analysis, annual projections of customers to predict repayment capacity

Portfolio monitoring:

• (i) work closely with Relationship Managers and clients to monitor compliance of financial and non-financial terms of the lending portfolio in order to detect a negative trend of the customer or industry that would ultimately have effects on our customers ;
• (ii) ensure completeness of the credit file in order to facilitate operations of credits (payments and disbursements).

Customer facing:

• (i) be in contact with customers in order to follow up documentation to facilitate the portfolio management assigned to the analyst;
• (ii) be in contact with the customer to obtain firsthand, valuable information from the customer in order to undertake thorough analysis of the Borrowers for monitoring purposes or increasing the lending portfolio.

Communication with back office:

• construct efficient communication bridges with supporting teams within HSBC (from the spreading team, file monitoring, operations, legal) in order to properly manage the customers assigned to the analyst.

Skills & Capailities

• Strong analysis skills
• Ability to understand business and industry drivers.
• Proactive communication / partnership with Relationship Managers and supporting groups.
• Strong organization skills and ability to manage / sequence multiple deliverables.
• Strong written and oral communication skills
• BS/ BA in Economy, Actuarial Science, Financial Management, Public Accounting, Industrial Engineering, Chemical Engineering.
• Proficient in English
• Financial Statement Analysis
• Basic knowledge of derivatives

We are as an organization and what distinguishes us, we value difference, we move forward together, we take responsibility for our actions, we use good judgment, we do the right thing and we make things happen.

“At HSBC we offer our colleagues a greater number of days so that they can fully enjoy their wedding, take care of the new member of the family, or grieve the loss of a family member. Our paid leave package is at the forefront in Mexico, now you have one more reason to be HSBC and proudly live a culture of well-being, balance and care”

At HSBC we are focused on guaranteeing gender equality and constant training for our employees as well as the protection of their labor and social rights.