Overviewthe business credit office (bco) team is part of coo at hsbc mexico.
the primary focus of a bco analyst is owning the end to end process of credit for wholesale banking customers in order to support relationship managers to structure credit solutions according to the financial needs of corporate, commercial real estate, financial institutions and multinational customers that will increase the lending portfolio of hsbc and contribute to the bank's economic objectives.during the tenure of this role the bco analyst will gain exposure with senior managers of wholesale banking, wholesale credit risk, syndications teams and credit services (back office), while developing financial and business acumen, attention to detail, analytical and strategic thinking, planning and relationship management skills.
the analyst will also be involved in transactions for customers in industries such as media, services, manufacturers, autoparts, project finance, hospitality, pharma, retail, o&g, agroindustries, food and beverage, nbfis, real estate, transportation and others.responsibilitiesportfolio monitoringwork closely with relationship managers and clients to monitor compliance of financial and non-financial terms of the lending portfolio in order to detect negative trends that could affect customers.ensure completeness of the credit file to facilitate operations of credits (payments and disbursements).
customer facingbe in contact with customers to follow up documentation and facilitate portfolio management assigned to the analyst.obtain firsthand, valuable information from the customer to undertake thorough analysis of the borrowers for monitoring purposes or to increase the lending portfolio.communication with back office: construct efficient communication bridges with supporting teams within hsbc (spreading team, file monitoring, operations, legal) to properly manage the customers assigned to the analyst.skills & capabilitiesstrong analysis skills.at least 2 years of credit analysis experience.ability to understand business and industry drivers.proactive communication and partnership with relationship managers and supporting groups.strong organizational skills and ability to manage multiple deliverables concurrently.strong written and oral communication skills.bs/ba in economy, actuarial science, financial management, public accounting, industrial engineering or chemical engineering.proficient in english.financial statement analysis.basic knowledge of derivatives.
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