BCO Analyst

Key Responsibilities:

• 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
• Liaise with relevant teams for the preparation of facility letter and any other internal security documents. Ensure completeness of security documentation prepared by external legal counsel.
• 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
• Comprehensive understanding of risk management and proven experience in ensuring compliance (self and others) with organisational and regulatory requirements
• Support the BCO Manager and Team Lead on ad-hoc requirements and other strategic initiatives to streamline and simplify end-to end credit & lending process
• Participate in deal discussions and meetings with clients as required
• Protect the Bank by acting as First Line of Defence and adhering to all controls
• Maintain HSBC internal control standards, including timely implementation of internal and external audit recomentations, along with addressing any issues raised by external regulators

Qualifications:

• Bachelor’s degree in Business, Finance, or a related field
• Relevant work experience in corporate banking as a credit analyst or relationship manager
• 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
• Analytical with a keen eye for details
• Strong communication and interpersonal skills, with the ability to collaborate effectively with diverse stakeholders