About the Company
HSBC is one of the world’s largest banking and financial services organizations. With a global network spanning 64 countries and territories, we serve around 38 million customers worldwide, offering a comprehensive range of financial services including retail banking, commercial banking, global private banking, and wealth management. We are committed to building a sustainable future by supporting our customers and communities.
Job Description
We are seeking a diligent and analytical Credit Risk Analyst to join our dynamic team in Birkenhead. In this crucial role, you will be instrumental in assessing, monitoring, and mitigating credit risks across our diverse portfolio. You will work with various business units, employing robust analytical techniques to provide insights that support sound lending decisions and ensure compliance with internal policies and external regulations. This is an on-site position based in our Birkenhead office, offering a challenging yet rewarding environment for a professional dedicated to risk management.
Key Responsibilities
- Conduct in-depth credit analysis of corporate and retail clients, including financial statement analysis and cash flow projections.
- Prepare comprehensive credit proposals and recommendations for approval.
- Monitor existing credit portfolios for early warning signs of deterioration and propose appropriate risk mitigation strategies.
- Ensure compliance with credit policies, regulatory requirements, and internal risk appetite statements.
- Develop and maintain credit risk models, performing validation and back-testing where necessary.
- Collaborate with sales, relationship managers, and legal teams to structure credit facilities.
- Prepare regular risk reports for management, highlighting key trends and exposures.
Required Skills
- Strong analytical and quantitative skills.
- Proficiency in financial modeling and data analysis tools (e.g., Excel, financial software).
- Solid understanding of credit risk principles, financial products, and banking regulations.
- Excellent written and verbal communication skills.
- Ability to work independently and as part of a team.
- Attention to detail and accuracy.
Preferred Qualifications
- Professional qualification such as CFA, FRM, or ACA.
- Experience with credit rating agencies' methodologies.
- Familiarity with risk management software (e.g., SAS, Python for data analysis).
- Knowledge of local market conditions and economic indicators in the UK.
Perks & Benefits
- Competitive annual salary and performance-based bonus.
- Comprehensive health and wellness benefits package.
- Generous pension scheme with employer contributions.
- 25 days annual leave plus bank holidays, with options to purchase additional days.
- Professional development and training opportunities.
- Employee discounts on various financial products and services.
- Work-life balance initiatives.
How to Apply
If you are interested in this position, please click the "Apply Now" button below. To ensure your application is properly considered, please prepare the following:
- An up-to-date Resume or CV
- A brief cover letter summarizing your experience and motivation
Applications are reviewed on a rolling basis. Only shortlisted candidates will be contacted for an interview.
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