Associate Business Credit Office

Hsbc Global Services Limited; Monterrey; Presencial; MXN 420.000 - 540.000; Jornada completa

Descripción de la vacante

HSBC Mexico in Monterrey seeks a Business Credit Office (BCO) Analyst to own end-to-end credit processes for Wholesale Banking clients, collaborating with Relationship Managers to structure credit solutions for Corporate and other sectors. The role requires analyzing financial statements, assessing risks, and preparing detailed credit applications in English while coordinating with back-office teams and ensuring regulatory compliance.

This position offers exposure to Sr.

Formación

• 2 years of credit analysis experience.
• BS/ BA in Economy, Actuarial Science, Financial Management, Public Accounting, Industrial Engineering, Chemical Engineering.
• Proficient in English.
• Financial Statement Analysis.
• Basic knowledge of derivatives.

Responsabilidades

• Increase lending portfolio by structuring credit for corporate clients.
• Monitor credit files and ensure compliance with policies and regulations.
• Communicate with Relationship Managers and clients to gather information.
• Coordinate with back-office, operations, and legal teams.

Conocimientos

Credit analysis

Analytical skills

Proactive communication

Organization skills

English proficiency

Financial statement analysis

Derivatives knowledge

Educación

BS/ BA in Economy, Actuarial Science, Financial Management, Public Accounting, Industrial Engineering, Chemical Engineering

Descripción del empleo

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, Commercial Real Estate, Financial Institutions 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, Syndications teams 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, Project Finance, Hospitality, Pharma, Retail, O&G, Agroindustries, Food and Beverage, NBFIs, Real Estate, Transportation, among others

Functions and activities to be performed:

Specific responsibilties 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.

Requirements:

Skills & Capailities

• Strong analysis skills
• 2 years of credit analysis experience
• 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

At HSBC we are committed to building a culture where all employees and customers are valued regardless of their gender, age, sexual orientation, ethnicity, disability, religious belief, background or any other different personal aspect.

HSBC employees act by showing integrity with courage, standing firm in what is right. We are trustworthy, we show different ideas and cultures and we are connected with customers, the community, regulators and each other.

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

“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”

Associate Business Credit Office Monterrey, NLE, MX