Credit Analyst – Credit Services, GSC's

The health and safety of our employees and candidates is very important to
us. Due to the current situation related to the Novel Coronavirus (‎2019-nCoV),
we 're leveraging our digital capabilities to ensure we can continue to
recruit top talent at the HSBC Group. As your application progresses, you may
be asked to use one of our digital tools to help you through your recruitment
journey. If so, one of our Resourcing colleagues will explain how our video-
interviewing technology will be used throughout the recruitment process and
will be on hand to answer any questions you might have.
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 communicate with RMs (written / verbal) to ensure that the credit applications are in line with the Credit Policies
* 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 skills along with the ability to handle capacities (E)
* Strong understanding of Group and GR Operational Risk Framework (E)
* Production management skills including MI reporting/interpretation for improvements. (E)
* Manage performance management including identifying development and training needs of staff (E)
* Initiate cost control measures by achieving resource efficiency and managing cost benefits (E)
* Proven experience of identifying and implementing ideas to improve efficiency and customer service (E)
* Excellent Communication Skills - Written and Verbal (E)
What additional skills will be good to have?
* Flexible to work in shifts - (E)
* Prior experience in Credit Services - (E)

You 'll achieve more at HSBC
HSBC is an equal opportunity employer committed to building a culture where
all employees are valued, respected and opinions count. We take pride in
providing a workplace that fosters continuous professional development,
flexible working and, opportunities to grow within an inclusive and diverse
environment. We encourage applications from all suitably qualified persons
irrespective of, but not limited to, their gender or genetic information,
sexual orientation, ethnicity, religion, social status, medical care leave
requirements, political affiliation, people with disabilities, color, national
origin, veteran status, etc., We consider all applications based on merit and
suitability to the role."

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