Jr Credit Analyst

HSBC; Ciudad de México; Presencial; MXN 640,000 - 916,000; Jornada completa

Descripción de la vacante

A leading financial institution in Mexico is seeking a BCO Analyst to manage the E2E credit process for Wholesale Banking customers. The role requires a Bachelor's degree and advanced English, with responsibilities including financial analysis, customer relations, and compliance monitoring. Strong analytical and communication skills are essential for success in this position, which offers opportunities for professional growth in a diverse environment.

Servicios

Opportunities for professional development

Flexible working environment

Inclusive workplace culture

Responsabilidades

• Contribute with RMs to structure financial solutions for corporate customers.
• Analyze financial statements, provide industry analysis, and predict repayment capacity.
• Monitor compliance of financial terms with clients and identify negative trends.
• Facilitate communication between customers and back office teams.
• Follow up documentation from customers to support portfolio management.

Conocimientos

Strong analysis skills

Proactive communication

Financial Statement Analysis

Advanced English

Ability to understand business and industry drivers

Strong organization skills

Strong written and oral communication skills

Educación

Bachelor’s degree in Economy, Actuarial Science, Financial Management, Public Accounting, Industrial Engineering

Descripción del empleo

Role purpose:

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, Auto parts, Hospitality, Pharma, Retail, O&G, Agroindustry’s, Food and Beverage, Transportation, among others.

Main activities:

• 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 to ensure that credit risk is properly mitigated, and the deal complies with Mexican banking regulation and internal policies of HSBC.
• Repare 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 to detect a negative trend of the customer or industry that would ultimately have effects on our customers; ensure completeness of the credit file to facilitate operations of credits (payments and disbursements).
• Customer facing: be in contact with customers 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 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) to properly manage the customers assigned to the analyst.

Qualifications:

• Bachelor’s degree in Economy, Actuarial Science, Financial Management, Public Accounting, Industrial Engineering.
• Advanced English
• 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
• Financial Statement Analysis
• 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.