Credit Risk Specialist

il y a 4 semaines


Paris, Île-de-France HSBC Temps plein

Role Overview

At HSBC, we're a trusted international organization with a global customer base of around 39 million customers worldwide through a network that covers 62 countries and territories. In Europe, our ambition is to become the leading international wholesale bank and we need talent like you to help us meet our ambition.

Within Global Banking – Financial Institution Group, you will join the High-Risk Sector team and support the Head of High Risk Sectors with the oversight and management of the CB business activities and risks.

Key Responsibilities

  • Analysis of various counterparties within Banking/CMB/FIG book to ensure that risks are thoroughly assessed by lending executives, make proper credit judgments with special emphasis on integrity of Customer Risk Rating (CRR), maintenance of satisfactory credit standards and controls, exercise of correct delegated lending authorities and adherence to all other credit standards prescribed in policy.
  • Manage workflows independently during various Full Scope Review/Continuous sampling cycles, act as the liaison between the Senior Reviewers in onshore and the offshore team.
  • Assist the Team Head for any adhoc work as may be required and take over other administrative responsibilities in his absence.
  • Ensure timely and good quality delivery of the various workflows that are allotted to the offshore team.
  • Assist in Quarterly Monitoring of portfolio/entities within the region.
  • Ensure adherence to operating procedures in line with Global Credit Risk Review as well as Region specific policies.
  • Identify streamlining opportunities in the Credit Review process.
  • Development of MI for monitoring & reporting of the quality / quantity of outputs.

Requirements

Individuals with 7+ years of relevant experience in various facets of Commercial credit risk, lending and credit analysis, Loan Review, Loan workout etc.

Academics – bachelor's Graduate degree. Candidates with MBA-Finance or equivalent/ CA/ ICWA/ CS/ CAIIB preferred.

Strong analytical (credit / financial) and problem-solving skills with ability to quickly process data & facts to arrive at meaningful conclusions. Ability to exercise discretion, work independently within broad guidelines, tactfully handle sensitive and confidential data, deliver high quality results within tight timeframes, manage multiple projects simultaneously and motivate and develop a professional staff.

Proven team leadership, people and resource management abilities.

In-depth understanding of various credit products viz. – term loans, working capital, trade facilities, bank guarantees, interest rate swaps, etc. and associated credits risks.

Sound knowledge of accounting principles and practices.

Proficient in Excel/Advanced Excel, proficient in software packages, preferred.

Excellent verbal & written English communication skills.

In-depth understanding of the business, risks and related controls within areas of responsibility.

The candidate must show attention to detail, be committed to producing work of the highest quality, resilient under pressure to meet aggressive deadlines, a team player and dynamic individual.


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