Credit Structuring Analyst

HSBC Holdings plc; Monterrey; On-site; MXN 420,000 - 680,000; Full time

Job summary

HSBC Mexico is seeking a BCO Analyst to own the end-to-end credit process for Wholesale Banking clients, supporting Relationship Managers in structuring credit solutions aligned with client needs and regulatory requirements.

The role offers exposure to senior managers in Wholesale Banking, Risk, and back-office teams, developing financial acumen, attention to detail, and strategic planning. Industries include Media, Services, Manufacturing, and more.

Qualifications

• Bachelor’s degree or higher in a quantitative field.
• Experience or strong interest in credit risk analysis.
• English proficiency for written credit applications.

Responsibilities

• Contribute with RMs to structure credit solutions for corporate clients and assess risks to ensure regulatory compliance.
• Monitor portfolio with RMs and clients to detect negative trends and ensure credit file completeness.
• Engage with customers to obtain documentation and information for thorough borrower analysis.
• Coordinate with back-office teams (spreading, file monitoring, operations, legal) to manage credit portfolios.

Skills

Strong analysis

Business drivers understanding

Proactive communication

Organization skills

Written & verbal communication

Education

BS in Economics

BS in Actuarial Science

BS in Financial Management

BS in Public Accounting

BS in Industrial Engineering

BS in Chemical Engineering

Tools

Derivatives knowledge

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 responsibilties of a BCO analyst include:

• Increasing lending portfolio: 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: 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: 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.
• 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.