Credit Analyst
4 days ago
**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 currently seeking an experienced professional to join our team in the role of **Credit Analyst**
**Why join us?**
Credit Services is an end to end Credit Risk Management Business Service for Operating entities across the HSBC Group in Commercial Banking. It spans across the entire Credit Risk management Value Chain starting from Preparation and On-boarding of a Credit Application in the Bank’s system and financial spreading followed by Credit Disbursement, Risk Monitoring, Control, Management, Processing Facility Offer Documents, Limit Loading and Disbursal.
We provide Professional and consistent Credit Risk management Services, Improve End to End Credit processes and systems, Deliver Service Excellence at competitive cost, contribute towards building Quality Asset portfolio and build domain expertise on Credit Profile. We support Relationship Managers in winning New Businesses and allow RM’s to deepen and strengthen existing relationships. We protect the bank and help the RM’s in managing Risk
**The Opportunity**:
- Compile and complete the preparation of Credit Applications, Facility Offer Letters and/or to maintain in Transaction Processing systems the approved limits and securities and other relevant static data as per the approved Credit Application and in line with credit guidelines / policies and procedures
- Maintain accuracy of data / data standards on Credit Applications in order to ensure data integrity on Group Limit Exposure and Activity Management (GLEAM) System. The primary function of GLEAM is to allow HSBC to meet its regulatory obligations under BASEL 2.
- Effectively resolve the queries of the team with regard to Credit process.
**What you’ll do**:
- To implement the Credit policies / procedures laid out by the Credit Risk Management.
- Liaise with RMs / COs to ascertain the needs of the business and representing the same in the Credit Applications in line with the Credit Policies and Procedures.
- Achieve and exceed relevant process targets in line with business objectives.
- Acquire and update knowledge on the process, procedures and products on an ongoing basis.
- Produce MI as required.
- Delight external customers by providing excellent service.
- Be a single point of contact for the onshore region concerned and should be able to handle issues & escalations from the team.
- Analyze business trends, establish volume forecasting and plan for effective capacity/resource utilization
- Ensure usage of Production Management Tools.
- Manage work for quality and ensure compliance with audit requirements
- Drive constant improvement in the quality of service provided to Business partners and external customers
- Manage the team to ensure timely processing of all instructions with good quality level
- Preparation of Legal Documents informing the customers of the availed products and services in line with the proposed / approved Credit Applications.
- Handling high value transactions with utmost care given the inherent operational risk.
- Ensure Training for the new staff is planned & executed on time and monitor performance including signoffs.
- Building positive and professional relationships with Business Partners and colleague in other areas.
- Motivate teams working in a challenging operational environment working different shifts.
- Lead and develop teams and individuals, focusing on development of direct reports. Create a supportive work environment.
- Manage multiple verticals as per business needs within Credit Services.
**Requirements**:
**What you will need to succeed in the role**:
- MBA Finance / Bachelor of Commerce
- Experience in credit services/credit knowledge/ credit course
- This will be a SME role hence strong knowledge in Credit Service domain with specialization in end to end process & good understanding in other service delivery within Credit Service arena is essential. (E)
- As a Senior Credit Service SME should have the expertise to conduct training session independently and set up a comprehensive training governance structure for the team. (E)
- The Activity would include Processing/Checking/Approving and other activity which would be required as and when it comes.
- Strong leadership skills evidenced by achievement of objectives together with a track record of development of individuals (E)
- Experience of building and maintaining strong relations with the Business Units (E)
- Excellent decision making skills (E)
- Sound Analytical skills (E)
- Strong organization and planning
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