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 our business.

Are you rigorous and curious, solution oriented?
Do you have a strong knowledge in financial services and financial crime risk management?
Do you enjoy working in a team, while being able to engage confidently with various stakeholders?

If you answered yes to any of these questions, we want to hear from you!!

What will you do?
The role holder will participate/lead review exercises of ‘Entities’ within the respective regions (comprising Global Banking, CMB and Financial Institutions Group customers). The review will focus on borrower level as well as portfolio level findings, in order to identify policy breaches and emerging risks and make suitable recommendations for remedial action to protect the bank’s lending position and minimize potential credit losses.
In addition to this, the role holder will also assist the Team Head in recruiting, mentoring, managing workflows as well as liaising with business area. He/She will work closely with the Team Head to ensure that deliverable targets are met for the team in a timely manner with a focus on quality.
Si vous répondez OUI à l’une des trois questions au moins, rencontrons-nous pour faire connaissance !

In this role you will:
• Analysis of various counterparties within Banking/CMB/FIG book to ensure that risks are thoroughly assessed by lending executives, make proper credit judgments with special emphasis on integrity of Customer Risk Rating (CRR), maintenance of satisfactory credit standards and controls, exercise of correct delegated lending authorities and adherence to all other credit standards prescribed in policy.
• Manage workflows independently during various Full Scope Review/Continuous sampling cycles, act as the liaison between the Senior Reviewers in onshore and the offshore team.
• Assist the Team Head for any adhoc work as may be required and take over other administrative responsibilities in his absence.
• Ensure timely and good quality delivery of the various workflows that are allotted to the offshore team.
• Assist in Quarterly Monitoring of portfolio/entities within the region.
• Ensure adherence to operating procedures in line with Global Credit Risk Review as well as Region specific policies.
• Identify streamlining opportunities in the Credit Review process.
• Development of MI for monitoring & reporting of the quality / quantity of outputs.

Conditions

You should apply if you have:
• Individuals with 7+ years of relevant experience in various facets of Commercial credit risk, lending and credit analysis, Loan Review, Loan workout etc.
• Academics - bachelor’s Graduate degree. Candidates with MBA-Finance or equivalent/ CA/ ICWA/ CS/ CAIIB preferred.
• Strong analytical (credit / financial) and problem-solving skills with ability to quickly process data & facts to arrive at meaningful conclusions. Ability to exercise discretion, work independently within broad guidelines, tactfully handle sensitive and confidential data, deliver high quality results within tight timeframes, manage multiple projects simultaneously and motivate and develop a professional staff.
• Proven team leadership, people and resource management abilities.
• In-depth understanding of various credit products viz. - term loans, working capital, trade facilities, bank guarantees, interest rate swaps, etc. and associated credits risks.
• Sound knowledge of accounting principles and practices.
• Proficient in Excel/Advanced Excel, proficient in software packages, preferred.
• Excellent verbal & written English communication skills.
• In-depth understanding of the business, risks and related controls within areas of responsibility.
• The candidate must show attention to detail, be committed to producing work of the highest quality, resilient under pressure to meet aggressive deadlines, a team player and dynamic individual.

Even if you feel you do not fit 100% of our qualifications, we encourage you to not let this hold you back from applying if you believe this is the role 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

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.