Margining Analyst

Opening up a world of opportunity.

We're a financial services organization serving more than 40 million customers across the globe through our Wealth & Personal Banking, Commercial Banking and Global Banking & Markets businesses.

We’re here to use our unique expertise, capabilities, breadth and perspectives to open up a world of new opportunities for our customers, our people and our communities.

Commercial Banking

Our global reach and expertise help domestic and international businesses around the world unlock their potential. Our customers range from small and medium-sized firms focused primarily on their domestic markets, through to large companies operating globally. Our services include working capital, term loans, payment services and international trade facilitation.

About the role

Provide commercial banking customers with efficient and effective service for margin value calculation, covenant monitoring, pricing grid review and other services to enable customers to have quick access to the right level of operating facilities and be priced accurately as per contractual agreements, as well as perform trend analysis and customer’s financial performance testing to support Relationship Managers (RMs) to detect possible early warning signals and account irregularities.

They will work closely with RMs supporting delivery of professional margining service to customers. The job holder is required to provide high quality service to his/her internal and external customers; taking ownership and completing all tasks in a timely manner. This supports the bank’s long-term strategy to lead business by establishing and maintaining long term relationships with businesses, treating customers fairly, and providing an excellent customer service. This role will support more than 1 Relationship Manager (RM), some of whom may be remote.

**Responsibilities**:

- Manage all aspects of margining, covenant monitoring and pricing grid review.
- Ensure timely and accurate maintenance of margin calculation, covenant calculation, trend analysis and financial performance testing.
- Work with Relationship Managers (RMs) to avoid reoccurrence of audit findings in Margining area.
- Provide training to new team member in Margining and share knowledge with team members in daily work
- Continuously seek for opportunities to simplify the margining process and improve the quality of margin value calculation
- Provide support in reviewing and updating margining procedure manual
- To treat customers fairly in all aspects of communication.
- Maintaining excellent communication with Group colleagues to ensure a joined up approach to identifying, analyzing and resolving issues
- Acting as the vital point of contact for clients in terms of margining and liaising with colleagues in the Centres, Case Management and Global Service Delivery (GSD) on administrative duties.
- Work as an integrated member of the team
- Work with colleagues and relevant departments as appropriate to ensure that all documents are processed in a timely manner
- Work in partnership with colleagues across the HSBC network to deliver exceptional standards and quality of service
- Promote an environment that supports diversity and reflects the HSBC brand.
- Adhere to structures and processes in place for the management of credit, operational, reputation and regulatory risk.
- Ensure credit and operational quality is not compromised in the pursuit of income
- Ensure operational losses and fraud are minimised
- Respond within agreed timelines to issues raised by audit and external regulators.
- Help to resolve any/all identified issues promptly, and escalate concerns to management as appropriate to ensure timely awareness of any material concerns.
- Maintain and observe all HSBC control standards and implement and observe the Group Compliance Policy, including the timely implementation of recommendations made by internal/external auditors and external regulators.
- Maintain awareness of operational risk within assigned portfolio and minimise the likelihood of it occurring including its identification, assessment, mitigation and control, loss identification and reporting.
- Protect sensitive customer and bank information by ensuring documents, computers, files, and all confidential matters are appropriately handled as set forth by policy.
- Ensure that all employees are aware of and effectively identify and manage applicable money laundering (ML), terrorist financing (TF), sanctions and reputational risks.
- Complete other responsibilities, as assigned.

Requirements

Essential
- Bachelor’s degree or minimum of 2 years of relevant work experience
- Strong excel knowledge (e.g. formulas/functions) and strong interest in data processing
- Accounting related knowledge, e.g. understanding and analysis of Balance Sheet, Income Statements, Account Receivables, Account Payable etc
- Understanding of risk management
- Some understanding of credit
- Analytical and financia