Commercial Credit Analyst -International Subsidiary Banking, Mid-Corporate & Large Corporate Banking
Mid-Corporate & Large Corporate Banking The Banks support model is constructed around a Relationship Manager (RM) who serves as the anchor for the relationship and coordinates with product partners (such as Capital Financing, Global Liquidity & Cash Management, Global Trade and Receivables Finance, Private Banking, and Global Markets) to offer solutions based on the customers needs and complexity of its business. Coupled with the provision of CMB core product offerings, the customers requirement for Capital Financing solutions to satisfy an event driven business need is seen as a major characteristic of this segment. The Credit Analyst role will provide credit and risk support, including writing credit papers, performing credit analysis, modeling Projection and Enterprise Valuation analysis, and coordinating with internal stakeholders such as Credit Risk, Relationship Managers, global partners, and product teams Impact on the Business * Support the business strategy * Support understanding and delivery of Commercial Banking (CMB) priorities * Work effectively in partnership with other CMB teams and product providers * Support senior managers by cross-pollinating sales best practices across and between regions, along with leading/participating in local/regional/global initiatives that result in higher returns * Support change for strategic business sales / opportunities that significantly improve business performance **Customers / Stakeholders ** * Enhance the Banks image in the marketplace to build key relationships with third parties as required * Applies acquired knowledge to provide advice and assistance * Liaise and work with other Corporate/CMB teams to develop the best possible experience and outcomes for both the customers, employees and the Bank * Effective dialogue with all stakeholders across CMB and the Group * Deliver fair outcomes for our customers and ensure own conduct maintains the orderly and transparent operation of financial markets **Leadership & Teamwork ** * Support achievement of the HSBC vision, Values, goals and culture in personal behaviour, actions and decision making * Take personal responsibility for understanding and agreeing performance expectations, completing the necessary mandatory training and developing the levels of capability and competence needed to be effective in the role * Contribute to team development, effectiveness and success by sharing knowledge and good practice, working collaboratively with others to create a productive, diverse and supportive working environment **Operational Effectiveness & Control ** * Suggest ideas and contribute to implementing actions that will improve customer service, quality or the way teams and individuals work together * Adhere to HSBC policy, procedures and control requirements applicable to day-to-day working, exceptional and project activities, and raise any concerns about actual or potential issues promptly, in line with reporting and escalation procedures * Continuously monitor and gather information from relevant sources to assess potential impacts and identify risks, necessary changes and business opportunities * Apply policies, procedures, practices and standards to their allocated tasks, taking responsibility for their own actions, to ensure the achievement of high levels of quality, effective risk management and regulatory compliance Management of Risk * The jobholder will ensure the fair treatment of our customers is at the heart of everything we do, both personally and as an organisation. * This will be achieved by consistently displaying the behaviours that form part of the HSBC Values and culture and adhering to HSBC risk policies and procedures, including notification and escalation of any concerns and taking required action in relation to points raised by audit and/or external regulators. * The jobholder is responsible for managing and mitigating operational risks in their day to day operations. In executing these responsibilities, the Group has adopted risk management and internal control structure referred to as the Three Lines of Defence. The jobholder should ensure they understand their position within the Three Lines of Defence, and act accordingly in line with operational risk policy, escalating in a timely manner where they are unsure of actions required. * Through the implementation the Global AML, Sanctions and ABC Policies, supporting Guidance, and Line of Business Procedures the jobholder will make informed decisions in accordance with the core principles of HSBC's Financial Crime Risk Appetite. * The following statement is only for roles with core responsibilities in Operational Risk Management (Risk Owner, Control Owner, Risk Steward, BRCM, and Operational Risk Function * The jobholder has responsibility for overseeing and ensuring that Operational risks are managed in accordance with the Group Standards Manual, Risk FIM, & relevant guidelines & standards. The jobholder should comply with the detailed expectations and responsibilities for their core role in operational risk management through ensuring all actions take account of operational risks, and through using the Operational Risk Management Framework appropriately to manage those risks. This will be achieved by: