Senior Associate

Some career choices have more impact than others. At HSBC we exist with the purpose of Opening up a World of Opportunity. We use our unique expertise, capabilities, breadth and perspectives to provide opportunities for our customers and colleagues through global connectivity. We bring together the people, ideas and capital that nurture progress and growth, helping to create a better world – for our customers, our people, our investors, our communities and the planet we all share. As an HSBC employee in Australia, you’ll have access to tailored professional development opportunities, competitive pay, an embedded flexible working culture and a range of employee benefits. These include market-leading subsidised private health cover, enhanced parental pay and support when returning to work, subsidised banking products and services, bonus leave days and wellness programmes including discounted gym memberships. The Credit Analysis Unit (CAU) is responsible for pre‑approval credit processes from preparation of credit review packages to preparation of credit reviews and new credit applications. Joining the team as a Senior Associate, you will be responsible for preparation of credit applications by assessing financial statements of financial institution borrowers to form a view on their financial standing and identify key risks and provide mitigants as necessary, and, wherever relevant, conducting research on industry trends and statistics for benchmarking against peers to enhance the financial analysis value. Securing this role, you will be joining a truly global bank with ASX top 50 clients. In addition to your core credit analysis work, you will have the opportunity to work on regional projects, working in a small team where you will have a greater breadth and variety of work and a high degree of visibility to both senior management and offshore global clients. Your main responsibilities will include Analysing financial statements of corporate and financial institutional borrower to provide advice on their financial standing and identification of risk. Preparation of new credit proposals including key credit issues as well as Credit Analysis Unit’s independent review of each credit application, where necessary, conducting research on industry trends and statistics. Conducting annual/interim reviews. Preparing cash flow forecasts and sensitivity analysis to establish the debt repayment capacity. Supporting Credit Analysis Unit within Sector Alignment, managing workflow to ensure that all work done onshore and offshore is delivered within agreed timeframes and meets the required quality standard. Secondary controls and quality checking of facility letters and financial covenants. To be successful in this role, you will need A solid understanding of credit issues and risk assessment with the ability to produce complex numerical analysis, taking into account ongoing industry developments. Corporate lending experience with good credit and financial analytical skills and familiarity with CARM for Corporates, CARM for Banks and Digital Credit Platform (DCP) would be an advantage. Excellent written and verbal communication skills with the ability to interact professionally with a broad range of audiences. Self‑motivation and proactivity to be able to work independently with minimal supervision. Strong analytical and problem‑solving skills. Strong organisational skills with the ability to meet tight deadlines Excellent interpersonal skills with the ability to work as part of a small team and build strong stakeholder relationships at all levels of the bank. Preference will be given to candidates who hold Australian or New Zealand PR/Citizenship, or who can show they currently have unrestricted work rights in Australia without limitations. We value different perspectives, we succeed together, collaborating across boundaries, we take responsibility, holding ourselves accountable to get things done. Through these values, HSBC is committed to building a culture where all employees are appreciated and respected and where opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow in an inclusive environment. Applications from First Nations peoples are encouraged. Learn more about careers at HSBC Australia – Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website. Issued by HSBC Bank Australia Limited. Please note that HSBC will never communicate to applicants via non‑HSBC channels such as SMS, WhatsApp or Facebook so please be careful if anyone attempts to contact you via these channels. #J-18808-Ljbffr