Job Description

Job Description — Business Credit Office (BCO) Analyst | COO — HSBC Mexico

Role purpose

Own the end-to-end (E2E) credit process for Wholesale Banking customers, ensuring strong and timely execution that enables Relationship Managers (RMs) to structure credit solutions aligned to clients’ needs (Corporate, Commercial Real Estate, Financial Institutions and Multinationals). The role supports healthy growth of the lending portfolio and delivery of the bank’s financial objectives. It combines credit analysis, portfolio monitoring, documentation management and coordination with internal teams and clients.

Key responsibilities

1) E2E credit process management (origination and execution)

• Support RMs in preparing credit requests, analysis and structuring solutions (renewals, limits increases, new facilities, amendments).
• Ensure client information and the credit file are complete, current and aligned with internal requirements to facilitate drawdowns and payments.
• Coordinate activities and deliverables with all involved areas to keep the process moving (credit, risk, operations, legal, etc.).

2) Portfolio monitoring and compliance (financial / non-financial covenants)

• Monitor compliance with financial and non-financial terms across facilities (covenants, conditions, documentation, relevant events).
• Identify negative trends in client performance or industry outlook and escalate promptly to the relevant stakeholders (RMs and/or credit/risk).
• Track remediation or mitigation actions when applicable, ensuring proper documentation and control.

3) Client engagement (customer facing)

• Engage with clients to follow up on required documentation and enable effective management of the assigned portfolio.
• Obtain first-hand information from clients to strengthen borrower analysis (for monitoring and/or to support increased exposure).
• Maintain clear, professional communication with clients to ensure quality and timeliness of deliverables.

4) Coordination with back office and support teams

• Build efficient communication bridges with internal teams (spreading, file monitoring, operations, legal and others) to ensure effective execution and portfolio control.
• Align commercial, risk and operational requirements to minimise rework and reduce cycle times.

5) Analysis and insight generation

• Perform financial statement analysis and develop an understanding of business/industry drivers to support monitoring decisions and credit proposals.
• Participate in transactions across a broad range of industries (e.g., Manufacturing, Auto Parts, Project Finance, Hospitality, Pharma, Retail, O&G, Agribusiness, Food & Beverage, NBFIs, Real Estate, Transportation, among others).
• Engage with senior stakeholders (Wholesale Banking, Wholesale Credit Risk, Syndications and Credit Services) in case management.

Position requirements (Skills & Capabilities)

Experience

• 3+ years’ experience in credit analysis (preferably in corporate/commercial banking, risk or wholesale credit).
• Experience in portfolio monitoring, covenant tracking and credit-file documentation management is preferred.

Technical knowledge

• Financial Statement Analysis.
• Understanding of business and industry drivers.
• Basic knowledge of derivatives (preferred/required depending on the team’s scope).

Skills

• Strong analytical skills and attention to detail.
• Strategic thinking, planning, and the ability to prioritise and sequence multiple deliverables.
• Strong written and verbal communication (with clients and internal teams).
• Proactive mindset and strong partnership with Relationship Managers and support groups.
• Strong organisational skills and disciplined follow-through (tracking actions, timelines, documentation and commitments).

Education

• Bachelor’s degree in: Economics, Actuarial Science, Finance/Financial Management, Accounting, Industrial Engineering, Chemical Engineering, or a related field.

Languages

• English: Advanced Non-Negotiable
• We are as an organization and what distinguishes us, 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 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 well-being, balance and care”
• At HSBC we are focused on guaranteeing gender equality and constant training for our employees as well as the protection of their labor and social rights.