Associate Business Credit Office

HSBC; Monterrey; Presencial; MXN 350.000 - 550.000; Jornada completa

Descripción de la vacante

HSBC Mexico’s Business Credit Office (BCO) analyst role sits in the COO area and owns the end-to-end credit process for Wholesale Banking clients. The analyst supports Relationship Managers to structure credit solutions for Corporate, CRE, Financial Institutions, and Multinational customers to grow HSBC’s lending portfolio and reach business objectives.

During your tenure you will interact with Sr. Managers across Wholesale Banking, Wholesale Credit Risk, Syndications, and Credit Services,

Formación

• Requires 2 years of credit analysis experience
• Strong analytical and attention to detail for portfolio monitoring
• Ability to communicate with Relationship Managers and back-office teams
• Fluent in English and strong written/oral communication

Responsabilidades

• Portfolio monitoring with Relationship Managers to ensure compliance and detect trends
• Client contact to obtain documentation and perform credit analytics
• Coordinate with back-office teams (spreading, file monitoring, operations, legal) to manage credits
• Analyze borrowers across industries such as Media, Services, Manufacturing, Real Estate, and more

Conocimientos

Strong analysis

Credit analysis

Business drivers

Organization skills

Communication skills

Proficient in English

Financial 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 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

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
• 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

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.