Corporate Credit Analyst

HSBC; Ciudad de México; Presencial; MXN 540,000 - 901,000; Jornada completa

Descripción de la vacante

A leading global bank is seeking a Business Credit Office (BCO) Analyst in Mexico City. The role involves owning and managing the credit process for Wholesale Banking customers. Duties include enhancing the lending portfolio through financial solutions, closely monitoring customer compliance, and effectively communicating with internal teams. Ideal candidates should have 2+ years of credit analysis experience, strong analytical skills, and a BS/BA in relevant fields. Proficiency in English is essential.

Formación

• 2+ years of experience in credit analysis.
• Proficient in financial statement evaluations and analysis.
• Ability to work with Relationship Managers effectively.

Responsabilidades

• Increase lending portfolio through structured financial solutions.
• Monitor compliance of financial terms with customers' loans.
• Communicate effectively with back office teams.
• Regularly interact with customers to gather necessary documentation.

Conocimientos

Strong analysis skills

2 years of credit analysis experience

Ability to understand business and industry drivers

Proactive communication

Strong organization skills

Strong written and oral communication skills

Financial Statement Analysis

Basic knowledge of derivatives

Proficient in English

Educación

BS/BA in Economy

Actuarial Science

Financial Management

Public Accounting

Industrial Engineering

Chemical Engineering

Descripción del empleo

Overview

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.

Business Credit Office (BCO) Analyst

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.

Key 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
• Portfolio monitoring
  • 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)
• Customer facing
  • 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 to increase 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 & Capabilities

• 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