In compliance with applicable laws, HSBC is committed to employing only those who are authorized to work in the US. Applicants must be legally authorized to work in the U.S. as HSBC will not engage in immigration sponsorship for this position.
Our purpose – Opening up a world of opportunity – explains why we exist. Here at HSBC we use our unique expertise, capabilities, breadth and perspectives to open up new kinds of opportunity for our more than 40 million customers. We’re bringing 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.
We are looking for an Associate to join HSBC Innovation Banking – Credit Solutions. The role involves supporting underwriting and portfolio management activities by analysing financial statements and overall company performance, building and maintaining spreads and financial models, and running sensitivity analysis to inform credit decisions. Prepare credit applications and draft concept memos and other credit materials for deal leads and credit approvers. Take responsibility over portfolio reporting by reviewing monthly financials, tracking performance versus plan and cash runway, identifying emerging risks, and escalating issues and recommendations promptly. Contribute to internal and external meetings by preparing questions, materials, and insights; join calls and produce clear notes and follow-ups (including PR note distribution). Develop a strong understanding of the end-to-end sales and credit process, including deal structures and use cases, while collaborating across teams with a positive, adaptable, detail-oriented mindset aligned to HSBC/IVB values.
As Our Associate You Will
- Analyse financial statements and overall company performance
- Prepare spreads, financial models, and sensitivity analysis to support underwrites/portfolio work
- Complete credit applications and draft concept memos/credit materials for deal leads and credit approvers
- Monitor a portfolio: review monthly financials, track performance vs plan/cash, and escalate risks/recommendations
- Support internal/external meetings: prepare questions/materials/insights and participate where appropriate
- Join internal/external calls and produce clear notes and follow-ups (e.g., PR note distribution)
- Build understanding of the sales and credit process, including deal structures and use cases
- Collaborate across the team with a positive, adaptable learning mindset aligned to HSBC values
You´ll likely have the following qualifications to succeed in this role:
- Demonstrated ability to analyse financial statements and company performance, build/maintain spreads and financial models, and run sensitivity analysis to support underwriting and portfolio decisions
- Experience (or clear capability) to actively manage a portfolio as secondary point of contact: digest monthly financials, track performance vs plan/cash, identify emerging risks, and escalate issues/recommendations to the deal lead in a timely way
- Strong team-first behaviours: positive approach to support tasks, proactive relationship-building across teams
- Adaptability to shifting priorities, and developing understanding of the VC/Venture Debt/Growth Equity market landscape and HSBC values
- Detailed oriented
As an HSBC employee, you will have access to tailored professional development opportunities to ensure you have the right skills for today and tomorrow. We offer a competitive pay and benefits package including a robust Wellness Hub, all in a welcoming and inclusive work environment. You will be empowered to drive HSBC’s engagement with the communities we serve through an industry-leading volunteerism policy, a generous matching gift program, and a comprehensive program of immersive Sustainability and Climate Change Initiatives. You’ll want to join our Employee Resource Groups as they play a central part in life at HSBC, including the development of our employees and networking inside and outside of HSBC. We value difference. We succeed together. We take responsibility. We get it done. And we want you to help us build the bank of the future!
The final fixed pay offer will depend on the candidate and a number of variables, including but not limited to, role responsibilities, skill set, depth of experience and education, licensing/certification requirements, internal relativity, and specific work location.
All qualified applicants will receive consideration for employment without regard to age, ancestry, color, race, national origin, ethnicity, disability or medical condition, genetic information, military or veteran service, religion, creed, sex, gender, pregnancy, childbirth, caregiver status, marital status, citizenship or immigration status, sexual orientation, gender identity or expression or any other trait protected by applicable law.
