Description de l’emploi

At HSBC, our purpose is opening up a world of opportunity and by joining our team, you can be part of something bigger! We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible.

Here in France, you’ll help evolve and grow the Wholesale business. Are you curious and motivated for a challenge? Do you have an interest in Credit Analysis? Do you enjoy working in a multicultural and fast-paced environment? If you answered yes to any of these questions, we want to hear from you!

What you will do:

The Credit Analysis Unit (“CAU”) team works closely with Global Relationship Bankers/Relationship Managers (RMs) to support in the assessment and submission of credit proposals for their borrowing names for designated Wholesale clients following a Wholesale CAU Target Operating Model (‘TOM’).
By managing the credit-related work load and encouraging deep collaboration between Credit Analysis Unit global/regional teams, RMs, Credit Risk, and Client Servicing where required, the Credit Analysis Unit maintains a flexible operating model ensuring credit work for new business transactions are consistently and effectively prioritized to support revenue generating activities, and credit annual renewals are serviced in a timely manner and to a standard that meets or exceeds HSBC standards.
CAU also assist the Business and WCOO requirements with agreed credit-related tasks pertaining to their clients’ credit life-cycle.

In this role you will:

The role of Associate Director, WCOO will manage a team of onshore credit analysts alongside oversight of all CAU related credit deliverables for a designated portfolio covered by both the CAU onshore team and offshore in the CAU GSC.
The role holder will ensure the quality and timeliness of portfolio credit related deliverables, represent governance and controls at management forums where needed as well as act as a Subject Matter Expert (“SME”) and point of escalation for onshore and offshore analysts alike for input and resolution on more complex risk matters and process issues engaging positively with WMR and Business stakeholders.
The role holder will support and drive change and transformation requirements for the onshore teams activities aligned to current and future state TOM together with alignment of allocated CAU offshore teams to France/CE requirements.
The role holder may be required to cover credit risk management (renewals and/or new monies) for identified clients as necessary to assist with MNPI or complex credit situations on an ad hoc basis.
The role holder will represent credit operational matters alongside Risk and Business on new and existing policy, transformation and regulatory implementation.

• The Associate Director, WCOO will have a range of functional responsibilities including management and leadership responsibility, provision of credit application and associated credit-related tasks as well as support with functional oversight and management of credit deliverables and credit management issues for the Business on behalf of WCOO/WCS supporting the Regional Head
• Manage periodic and ad hoc reporting for Credit Analysis Unit as required in covering key credit issues for the WCOO/WCS and the Business and in line with evolving credit management requirements
• Contribute positively on credit matters for WCOO (incl WCS and WCLS) through Value Stream management and strategic change programmes
• As a Risk SME, the role holder will also provide clear and thoroughly considered guidance to RMs as well as Onshore and Offshore Credit Analysts alike as required or relevant for more complex Risk matters or as a point of escalation. The role holder will also enable consistent communication of any operating practices or processes changes as appropriately to stakeholders to avoid the risk of any misinterpretation, ensuring a consistently high standard of finished product is achieved.
• Assist with credit related issues and queries
• Assist in line management in identifying process improvements in the area of responsibility to minimize costs and operational risks.

Conditions

You should apply if you have:

• 7 - 10 years of banking experience required, with a minimum of 5 years within credit risk
• Proven ability to prioritize competing demands, excellent analysis, design and problem solving skills
• Commercial and financial management experience with a proven track record in a service company type model
• Highly developed negotiation and interpersonal skills, able to deal with and constructively resolve conflicting views and where necessary, escalate to senior management in a clear and succinct manner
• Be change oriented and able to cope with pressure and tight deadlines with ability to positively drive and contribute to change and transformation initiatives
• Able to understand and consolidate diverse and complex business information and identify / mitigate risk issues
• General knowledge of credit/treasury products, including general terms, conditions and inherent structural risks
• Fluent written and spoken English
• Highly proficient in the use of MS Office tools, e.g. Excel
• A self-starter with ability to work independently with a sense of ownership
• Conversant with the nature of complex/structured finance transactions, including i) Project & Export Finance, ii) Structured Trade Finance, iii) Highly Leveraged Transactions and iv) Asset Backed Lending is desirable
• Ability to effectively engage and negotiate with senior stakeholders demonstrating considered foresight and highly developed interpersonal skills.

Even if you feel you do not meet 100% of our qualifications, we encourage you to apply, if you believe this role is right for you.

What you’ll get in return:

Not only is HSBC a great place to work, but we also offer the following unique and exciting opportunities and benefits!

HSBC has been certified “Top Employer 2024” in Europe. This recognition from the Top Employers Institute rewards our HR practices and recognises HSBC as an HR Leader in France, Germany, Italy, Luxembourg, Poland and Spain. HSBC in France has been certified with LinkedIn Top Employer 2024 for Finance, recognising our team as a great place to work within the Finance industry.

A unique and flexible working environment:

• Advantageous remote working agreement
• Diversity and Inclusion is at the heart of our business: joining HSBC will give you the opportunity to work in a collegiate and supportive environment
• You’ll be able to join our Employee Resource Groups that bring together colleagues with shared characteristics and common interests
• Usual local benefits (refund of transport fees at 50%, 5 weeks of paid vacation + RTT)
• Family events days off, additional maternity or breastfeeding leave, advantageous paternity leave, parental presence or dependency support leave (for child or parent with disability)
• A Time Savings Account to monetize your untaken off days (CET)

Family benefits:

• Partial reimbursement of childcare costs
• Various bonus (birth bonus, back-to-school bonus for your children up to 25, parental bonus)
• An allowance for parents of children with disabilities
• Possibility to work part-time

Financial benefits:

• A company savings plan and a savings plan for collective retirement
• Meal voucher card or corporate restaurant depending on your place of employment
• Mutual insurance for you and your family, and a pension contract to protect your loved ones
• A loyalty bonus and a long-service medal rewarding seniority
• Holiday vouchers based on your reference tax income
• CESUs (for tax purposes) if you are disabled or if you have a disabled child, spouse or parent
• A Work Council which offers, among other things, ticketing, travel, sports, legal aid, etc.

Personal development benefits:

• Access to our Degreed platform (learning platform above all, that you can use to discover learning content, develop skills, and successfully meet new business challenges)
• We’ll help you progress your career, including access to development programmes, mentoring and coaching, as well as world-class training through HSBC University
• We’ll give you access to resources that support your mental, physical, and social well-being

Being open to different points of view is important for our business and the communities we serve. At HSBC, we’re dedicated to creating diverse and inclusive workplaces - no matter their gender, ethnicity, disability, religion, sexual orientation, or age. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible for everyone to be at their best.

If you have a need that requires accommodations or changes during the recruitment process, please let us know.

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.

For further information on building your career at HSBC, please visit: www.hsbc.com/careers