The BCO Analyst is responsible for delivering credit and lending tasks, including credit analysis and the submission of credit proposals. They also manage portfolio credit quality by conducting reviews and ensuring compliance with regulatory and internal standards.
Job Description
Responsible for the delivery of BCO tasks in line with agreed OKRs, SLAs and KPIs
Support the end-to-end Credit & Lending servicing journey, ensuring a seamless and efficient process for both customers and internal stakeholders
Assist the Relationship Manager with credit analysis and the timely submission of credit proposals for facilities for both existing and prospective clients
Proactively manage the credit quality of the supported portfolio by i) conducting periodic credit reviews; ii) tracking and reporting of compliance with covenants and conditions of approval; and iii) promptly escalating deviations to the Risk team for resolution.
Actively participate in training sessions to continue to develop credit skills, product knowledge, industry knowlede and client management skills.
Ensure the consistent application of HSBC policies and adherence to regulatory, financial, and legal standards to minimise business and reputational risks
Support lead BCO on ad-hoc requirements and other strategic initiatives to streamline and simplify end-to end credit & lending process
Qualifications
Preferred academic background in Business, Finance, or a related field
Relevant work experience in corporate banking as a credit analyst or relationship manager
Strong analytical & communication skills required.
Good understanding of various financing instruments and banking products in corporate banking
Comprehensive understanding of risk management and proven experience in ensuring compliance (self and others) with organisational and regulatory requirements
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