Credit Analysis Unit Associate Manager

HSBC Corporate and Institutional Banking is a markets-led, financing-focused business that provides investment and financial solutions. Through Business Banking, our international network offers comprehensive support and services to small and medium-sized businesses. From expanding overseas to managing the cash and trade flows of an established enterprise, the Business Banking team of relationship managers and product specialists provides a range of end-to-end solutions designed to help businesses reach their potential.

People Responsibility: No

Reports To: Senior Corporate Banking Manager Team Head 

Role Purpose

Manager, Credit Analysis Unit works closely with RMs to support their credit-related, pre-sanction credit tasks (aligned with CAU’s functional taxonomy). The role holder prepares credit proposals (including credit renewals, new money requests, new client onboard request, credit amendment request, credit memo), and help on other credit related matters and projects. Credit analysts ensure proposals’ quality, adhere to agreed CAU SLAs, and maintain collaborative working relationship with the Business, WMR and other connected parties. The role holder also provides RMs with credit risk support for application of credit policies and processes.  Manager, CAU maintains a flexible working model ensuring new business transactions are prioritized to exploit revenue generating activities.

Job Contents

1. Deliver the highest quality credit analysis and credit-associated tasks for team portfolios in a timely manner, under direct or indirect oversight from CAU head and respective RM.
2. Develop sound banking & industry knowledge and apply high standard credit principles to ensure robust market/industry risk analysis for each proposal.
3. Share case experiences, best practice, credit knowledge and skills with the team as well as building up right culture and awareness on risk monitoring and control in our frontline.
4. Maintain a flexible working model ensuring new business transactions are prioritized to exploit revenue generating activities.
5.  Work proactively and maintain collaborative relationship within CAU and with relevant stakeholders including CMB business teams and WMR, in order to further enhance both credit quality and work efficiency, particularly for complex facilities, challenging credits and urgent deals. 
6. Support credit related project and ad-hoc assignment to assist RM teams to make decisions and add value for CMB’s business initiative.
7. Comply with HSBC internal control standards, stay alert and implement all Group Policies and external regulations.
8. Post-lending monitoring: Help RM to conduct sufficient credit analysis and be alert to deteriorations of external conditions to safeguard the loan portfolio
9. Support the team/RMs in identifying and meeting customers’ needs in order to grow relationship-led revenues across the HSBC Group
10. Support regulatory and business management initiatives where Credit Analysis Unit-specific expertise is required

Skills Requirements

1. Educated to the university or above level. 
2. Banking experience required, with experience a credit risk discipline strongly preferred. 
3. Excellent communication, analytic and problem-solving skills.
4. Strong organizational, time management and prioritization skills to meet deadlines.
5. Mature and professional manner in shaping credit decisions
6. Excellent team player with good communication and interpersonal skills.
7. Be change oriented and able to cope with pressure and tight deadlines. 
8. Good knowledge of banking products and regulatory policies preferred
9. Able to understand and consolidate diverse and complex business information and identify / mitigate risk issues.
10. Ability to prioritize competing demands
11. Corporate lending experience preferred with good credit and financial analytical skills
12. Fluent written and spoken English 
13. Proficient in the use of MS Office tools, e.g. Excel. 
14. Strong understanding of HSBC Group credit policies and systems (for internal candidates)

License/Qualification Requirement

N/A