Associate, BCO CoE

Cari; Kuala Lumpur; On-site; MYR 60,000 - 120,000; Full time

Job summary

HSBC Kuala Lumpur is seeking a Credit Analyst to join the Wholesale department. The role supports APAC through Corporate/FIG Credit Analysis, liaising with business units and risk teams to ensure prudent lending decisions and robust data analysis throughout client engagements.

The analyst will perform industry, ESG, and financial analysis, support credit decisions, and build strong relationships with Relationship Managers while adhering to high-quality standards and timelines.

Qualifications

• C.A./CFA/MBA or equivalent is essential or desirable.
• Bachelor degree in Finance, Economics, Accounting or equivalent is essential.

Responsibilities

• - Undertake high quality industry, competitor, ESG and client level financial analysis for Global Banking and Commercial Banking RM Team.
• - Analyze financial documentation to support lending decisions and credit requests.
• - Prepare credit analyses for new and existing client relationships.
• - Support data collection and analysis on client emissions, climate commitments and low-carbon initiatives.
• - Build and maintain relationships with GB & CMB Relationship Managers and Risk executives.
• - Ensure all work meets timeframes, PLA requirements and quality standards.
• - Comply with policies and procedures; suggest process improvements.
• - Communicate clearly with team members and other GBM parts as required.
• - Maintain HSBC internal control standards and Group Compliance expectations.

Skills

Credit analysis

Excel proficiency

English communication

Team player

Attention to detail

Education

CFA / MBA / CA

Bachelor degree in Finance/Economics/Accounting

Tools

Excel

Word

Job description

Why join us?

Some careers have more impact than others. If you’re looking for a career where you can make a real impression, join HSBC and discover how valued you’ll be. HSBC is one of the largest banking and financial services organisations in the world, with operations in 64 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions.

We are seeking individuals to join HSBC'S Wholesale department in the role of Credit Analysis Unit.

The Opportunity

What you’ll do:

The Role requires the Analyst to be a part Corporates/FIG Credit Analysis Team in Kuala Lumpur which supports APAC. In addition, the Analyst would also be required to liaise with the business and locally with the supporting Departments which would enable him/her to carry out the duties.

Role Responsibilities:

• -Undertake high quality industry, competitor, ESG and client level financial analysis for Global Banking (GB) and Commercial Banking (CMB) Relationship Management (RM) Team.


• -Analysis of financial documentation and supplemental data to support lending decision-making and recommending credit requests to appropriately meet business needs.


• -Preparing credit analyses in support of new and existing business relationships.


• -Support the RM team in the continuous collection, capture and analysis of key data and information related to GB/CMB client’s emissions-intensive activities, climate commitments and low-carbon business initiatives and transition and physical risks to help build a thorough understanding of each client’s plans to transition to net zero emissions over time.


• -Personally develop and maintain strong working relationships with GB & CMB Relationship Managers / Associates along with executives in Risk to ensure that all risks to the business, financial and non-financial, are properly recognized and thoughtfully mitigated in proposals.


• -Ensure that all work is delivered within agreed timeframes, PLAs and meets the required high quality standard.


• -Understand and comply with all relevant policies, FIM guidelines and procedures issued by the Group.


• -Pro-actively suggest and design improvements in process workflow, where applicable.


• -Communicate clearly with team members and other parts of GBM as required.


• -Maintain HSBC internal control standards.


• -Need to implement the Group Compliance Policy, as applicable to their role.


• -Need to be aware of the Operational Risk scenario associated with their role, and to ensure that all actions during their employment with HSBC take account of the likelihood of operational risk occurring.

PUBLIC

• -Adhering strictly to compliance and operational risk controls in accordance with HSBC and regulatory standards, policies and practices; reporting weaknesses, compliance breaches and operational loss events.


• -However, the final position title may vary depending on the candidate's relevant experience, skill and competence. Additionally, they may be assigned additional responsibilities such as conducting quality checks, mentoring and training new joiners.

What you will need to succeed in the role

• -C.A. / CFA / MBA / Bachelor Degree in Finance, Economics, Accounting or equivalent is essential, and any professional qualification is desirable.


• -Professional Credit Certification from AICB, sustainability knowledge is an advantage.


• -2 to 6 years of relevant experience in Credit Analysis.


• -Sustainability knowledge is an advantage


• -Highly proficient at Excel and Word.


• -Excellent verbal/written communication skills in English, proficient in credit writing in English, hard-working, organized, diligent, and above all a good team player.


• -Cantonese and/or Mandarin language capabilities are highly preferred. The analyst should be able to speak and read financial statements in Cantonese/Mandarin language.


• -Good command of credit analysis and financial knowledge.

What additional skills will be good to have?

• -The role holder is expected to have subject matter expertise of end-to-end credit processes & corporate banking products.