Credit Analysis Analyst

5 days ago


Fatih, Istanbul, Turkey HSBC Full time
Responsibilities
  • To prepare/review credit applications of GB&FI (Financial Institutions) relations. To have a thorough understanding of the dynamics and risks associated with the sectors and companies assigned. To manage and coordinate other team members.
  • To maintain high quality performance in preparing credit financial analysis.
  • To provide comments for the credit applications which are submitted, ensuring that the credit process is respected and asset quality maintained.
  • Ensure that processes and procedures adhere to HSBC standards, resulting in a satisfactory Risk Review where undertaken.
  • Coordination of responses to queries raised by Risk for each credit proposal.
  • Strong analytical skills must be utilized. The job holder must be alert to sector and company-specific developments. The financial analysis is a critical part of the package therefore any critical developments must be fully understood and expressed in the credit application.
  • Contact RM/customers in case of any queries during analysis work.
  • To ensure Global Banking builds lasting business relationships with GB&FI customers by assessing risks of customers efficiently and providing exceptional analytical skills; with the overall aim of enlarging Global Banking client portfolio with quality customers, thus improving profitability and minimizing credit risk. The jobholder is responsible for the credit applications of the companies that are under the supervision of Global Banking Client Management Head where HBTR has a credit risk.
  • To manage the GB&FI balance sheet and monitor the RWA developments. To set GB annual income targets in line with HBTR strategy and keep track of the monthly movements of the GB income.
  • To coordinate the preparation of all local and international performance and MI reports and monthly EXCO reports to local and global management teams.
Qualifications
  • University degree.
  • MBA of Finance Master's degree is preferred.
  • Excellent PC knowledge.
  • Excellent written and verbal English.
  • A high level of familiarity with legal and regulatory issues.
  • A strong understanding of sectors and its dynamics and ability to interpret effects on companies.
  • Robust financial analysis fundamentals and ability to comment on the financial structure under changing macro conditions.
  • A thorough understanding of GB business at HSBC, its asset size, profitability, and customer profile.
  • Is in close contact with various units at HSBC, familiar with the business flows of various units, maintains an ongoing dialog with various business units simultaneously, i.e. Global Banking Management Office, Finance, Product Teams, Credit and Global Account Owners.
  • A multi-tasking nature and follows up and records information and reports efficiently.
  • Is informed on the overall strategy of HSBC in general and able to locate GB business within the broad HSBC framework.
  • Min 3-6 years of banking experience in Banking Sector.
  • Good communicational skills.
  • Strong stakeholder management skills.
  • Analytical thinking.
  • Strong financial analysis skills.
  • To be detail oriented, multi-tasking, ability to work with various business units simultaneously.
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