HSBC Group

At HSBC, the health and well-being of our employees remains of utmost importance.  Many of our roles are permitted to work from home (in states in which HSBC is licensed to operate) until further notice. Upon resumption of normal operations, this role may be performed at our Buffalo, New York office.

As our Analyst/Associate Corporate Relationship Support Manager you will own assigned relationships and portfolio, incrementally supporting Senior Credit Managers and Credit Managers (Sr CM/CM) with the broader portfolio. Develop positive relationships with CM/SR CM, Team Leads, Global Relationship Manager (GRM)/Relationship Manager (RM)/Associate Relationship Managers (ARMs), Credit Approval Unit (CAU), and product partners while continually asking questions to foster development. Understand and drive end to end credit process for all basic new money requests, annual reviews, quarterly reviews (including Watch List and Leveraged Lending Facilities). Independently analyze and write Credit Requests and Indication of Appetite (IOA) recommendations, performing sound credit analysis and being responsible for the requests with little intervention and owning the credit process. Owning data integrity in CARM and systems of record, understanding the importance of the front line control environment and reliance on quality and timeliness of entry on accounting systems, regulatory reporting, and decision making. Engaging with global colleagues to manage global exposures, endorsements, partner concerns as applicable. Deepened exposure to product teams and transaction within Global Liquidity Cash Management, Global Trade Receivables Finance, Foreign Exchange & Rates.

About Us

Credit Management provides front line credit and risk ownership including writing credit requests, performing credit analysis, modeling projection and enterprise valuation analysis, coordinating with internal partners (such as Credit Risk, relationship managers, global partners, and product teams), client engagement on credit risk and structuring, and delivering sound recommendations based on robust business, relationship, and industry analysis using expert judgment and conforming with internal credit policies/guidelines and external regulatory requirements.

Employment eligibility to work with HSBC in the U.S. is required as the company will not pursue visa sponsorship for these positions.

You should apply if you have:

• Solid understanding of credit analysis fundamentals (including mastering key credit metrics)
• Skills to analyze/defend/discuss risk ratings
• Comprehension of systems: Staff Front End (SFE), HUB VDU, CARM, Capital IQ, MRA/GLCS, Credit Data Warehouse (CDW/LGD), FileNet
• Strong comprehension of primary Credit Policies (CPM and FIM, mastering accurate navigation), front line processes (including underwriting, syndicated and bi-lateral) and procedures, cross-border guidance and policy, and Lending Guidelines
• Strong communication with CAU, build credibility through detailed comprehension of credit requests
• Strong management and timely submission of financial reporting (including covenant compliance certificates) and Out of Approvals (OOA)
• Solid understanding and application of Customer Risk Rating (CRR), Facility Grade (FG), Loss Given Default (LGD), Sustainability Risk Rating (SRR), Transition Risk and Credit Risks/Mitigants
• Proven ability to remain current on all required training classes, including credit policy certification
• Dedication to partnership and proactively seeking assignments outside of assigned team
• Strong understanding and ability to clearly analyze and articulate a Credit Agreement

As an HSBC employee, you will have access to tailored professional development opportunities to ensure the right skills for today and tomorrow. We offer a competitive pay and benefits package including a robust Wellness Hub and paid time-off to volunteer. We work hard to ensure that our workplace is a diverse, inclusive environment with a strong dedication to sustainability. Our Employee Resource Groups play a central part in life at HSBC, including the development of our employees and our connection to the communities and customers we serve.

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All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.