Corporate Analyst, Commercial Banking (Middle Market Enterprises) recruitment
HSBC Commercial Banking (CMB) offers a wide range of banking and financial services to meet the needs of both large corporates and local businesses. We adopt a relationship approach where relationship and product managers form individual client service teams, focusing on gaining a holistic understanding of the customer's business and financial needs first, followed by customizing a comprehensive suite of solutions to support these needs.
Principle Accountabilities:
As a Corporate Analyst, your primary responsibility is to ensure a balance between financial solutions provided for clients and the Bank's credit and risk criteria. You will work closely with Relationship Managers to acquire and grow client relationships. To succeed, you will need to apply specific industry knowledge and partner Relationship and Product Managers to deliver credit and product solutions. Main activities include:
- Supporting CMB to attain their strategic growth targets while at the same time maintaining a high quality loan book for CMB
- Safeguarding the bank from potential losses arising from credit and operational risks.
- Working independently with product partners and be involved in complex transactions including those originated from advisory, debt and equity related mandates, project finance, acquisition financing, derivatives, structured transactions and asset backed structures etc.
- Performing optimization of Risk Weighted Assets (RWA) through clear understanding of Basel II regulatory framework and capital requirements.
- Managing and strengthening client relationship including handling and resolving inquiries from clients.
- Adopting a consultative selling approach to achieve product take up and retention.
- Ensuring timely preparation of security and loan documentation internally that is in line with the credit approvals obtained as well as receipt of completed documents and activation of facility limits.
- Ensuring operational effectiveness and delivery of high service levels.
- Participating in ad hoc projects relating to portfolio review, management reports, improving risk mitigants and enhancing operational efficiency
- Being adaptive to ongoing changes within the organization and support the implementation of needed changes in the department
- Have responsibility particularly for the Middle Market Enterprise sector
Skills/Attributes:
- Degree holder with a Finance, Business or Accountancy background
- 3 - 5 years of strong risk analysis or corporate lending expertise, preferably from a leading financial institution
- Proven expertise in corporate credit, including credit reviews and structuring financial solutions for clients
- Candidates with Relationship Management experience, working knowledge of commercial banking products and banking operations will have an advantage
- Strong analytical and writing skills, coupled with effective communication and inter-personal skills are essential
- Conscientious and meticulous in completing tasks and activities assigned
- Proficient in Microsoft Office, particularly Word and Excel
- Cohesive team player who possesses a positive ''can-do'' attitude and willingness to acquire new skills/knowledge