Associate Director, Credit Analysis Unit

**Associate Director, Credit Analysis Unit (CAU)** **Role Porpuse**: **Principal Activities**: - **Key activities and decision making areas** - **Pipeline Management and Credit process preparation**: - Thorough planning and effective management of credit request and renewal pipeline. - Ability to quickly procure information necessary for credit proposal utilizing all available channels (Company website, BIC, regulatory filing, etc). - Coordinate effectively with Relationship Managers to determine required information for credit proposals. - **Credit proposal generation activities**: - Write clear and concise, forward looking and insightful credit proposals that identify key risks, propose sound mitigants and covenants and support both existing and proposed limits. - Provide analysis for group overview, Management, Industry, and Strategy, for different client types. - Interpretation and analysis of financial projections/models (by client & industry). - Identify and document all related risks (covenant monitoring, reputation risk, regulatory issues, audit finding, environmental, social and sustainability risk findings by HBMXs Sustainability Area) as well as mitigants - Ability to coherently express the CAU perspective to key stakeholders, maintaining an independent and objective position with the business and risk functions. - Adherence at all times to policies and regulations identifying and informing of any possible operational risks. - **Quality Assurance of Credit Proposals** - Detailed review of Credit Proposals prepared by Credit Analysts, focusing on consistency as well as ensuring a high quality product in regards to data precision, grammar, presentation, format and overall quality. Requirements **Requirements**: Skill Set: - **Communication**: - Oral and written ability to clearly and succinctly express complex financial information to key stakeholders - **Analytical**: - Capacity to process multiple sources of information, discern critical data, and synthesize complex information. - Financial Statement analysis (non-descriptive) including financial ratio/coverage calculation and interpretation. - Ability to effectively create and interpretate financial projections. - Understanding of Counterparty Credit Risk and ability to provide mitigation solutions. - General knowledge of credit/treasury products, including general terms, conditions and inherent structural risks. - **Organization**: - Effective organizational skills with the ability to prioritize tasks. - Ability to work under pressure and respond to tight and rapidly changing deadlines. - **People**: - Ability to effectively engage and negotiate with key stakeholders - Flexibility to adapt to quickly changing environments. - Strong inter-personal skills and the ability to effectively manage conflict and expectations. - Strong leadership skills to provide coaching to Junior Analysts. - **Basic Qualifications**: - Bachelor's degree in Business, Finance, Accounting, Engineering or related fields. MBA / MAF is desirable - 5 Years of experience in Credit Risk or Company Analysis related function. - Fluent in English and Spanish, both written and spoken. - Proficient use of Microsoft Office. - (MAB o MAF) (Desirable) At HSBC, we expect our people to treat each other with dignity and respect, creating an inclusive culture that promotes equal opportunity. Our values define who we are as an organization and what sets us apart, we value difference, we move forward together, we take responsibility for our actions, we use good judgment, we do the right thing and we make things happen. "At HSBC we are focused on guaranteeing gender equality and the constant training of our collaborators, as well as the protection of their labor and social rights." “At HSBC we offer our colleagues a greater number of days so that they can fully enjoy their wedding, take care of the new member of the family, or grieve the loss of a family member. Our paid leave package is at the forefront in Mexico. Now you have one more reason to be HSBC and proudly live a culture of comprehensive well-being, balance and self-care”. “We want you to be part of our team Find out what it's like to work with us"