Associate, Business Credit OfficeMexico

HSBC; Mérida; Presencial; MXN 450.000 - 750.000; Jornada completa

Descripción de la vacante

HSBC Mexico's Business Credit Office (BCO) Analyst owns the end-to-end credit process for Wholesale Banking customers, supporting Relationship Managers to structure credit solutions across Corporate, CRE, FI, and multinational clients.

In this role you’ll gain exposure to senior managers in wholesale credit risk and operate across industries including media, services, manufacturing, and real estate, while sharpening financial analysis, risk assessment, and cross‑functional collaboration.

Formación

• 2 years of credit analysis experience required.
• Ability to analyze financial statements and industry drivers.
• Strong written and oral communication with RMs and back office.
• BS/BA in relevant fields such as Economics or Engineering.

Responsabilidades

• Prepare Credit applications 100% written in English with exhaustive customer assessment.
• Work with Relationship Managers and clients to monitor compliance and detect negative trends.
• Ensure completeness of the credit file for smooth operations of credits.
• Follow up with customers for documentation to support portfolio management.
• Obtain firsthand information from customers to perform thorough borrower analysis.
• Construct efficient communication bridges with back office and supporting HSBC teams.

Conocimientos

Strong analysis skills

Credit analysis experience

Business/industry drivers

Proactive communication

Organization skills

Communication skills

Derivatives knowledge

Educación

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

Descripción del empleo

The Business Credit Office (BCO) team is part of Chief Operating Office (COO) at HSBC Mexico. The primary focus of a Business Credit Office (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 Business Credit Office (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

Principal Accountabilities and Responsibilities

Increasing lending portfolio:

• Contribute with RMs to structure credit short‑termed or long‑termed financial solutions for corporate customers:
• 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.
• 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
• 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.
• Ensure completeness of the credit file in order to facilitate operations of credits (payments and disbursements).
• Be in contact with customers in order to follow up documentation to facilitate the portfolio management assigned to the analyst.
• 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.
• Basic knowledge of derivatives

HSBC is an equal opportunity employer committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and, opportunities to grow within an inclusive and diverse environment. We encourage applications from all suitably qualified persons irrespective of, but not limited to, their gender or genetic information, sexual orientation, ethnicity, religion, social status, medical care leave requirements, political affiliation, people with disabilities, color, national origin, veteran status, etc., We consider all applications based on merit and suitability to the role.