Credit Risk Model Validation Jobs in Texas (NOW HIRING)

HSBC’s purpose is to open up a world of opportunity. Within an inclusive and accessible environment, we enable colleagues to apply their expertise, challenge constructively, and support responsible growth.

What you will do

This role sits within HSBC Continental Europe Wholesale Credit Risk Management (HBCE WCRM), in the Structured Credit / Wholesale Credit Approval team based in Paris.

HBCE WCRM is responsible for the oversight and approval of credit risk across France and HBCE’s subsidiaries and branches in Continental Europe. As a Structured Credit Risk Credit Approver, you will provide independent, well-reasoned credit judgement across structured transactions (Leveraged Acquisition Finance, Financial Sponsors, Commercial Real Estate) and complex counterparties, ensuring alignment with risk appetite, policy, and delegated authority.

Your key responsibilities will include

• Credit approval / challenge: Review, challenge, recommend and (within delegated authority) approve structured credit proposals, ensuring the risk/return profile is acceptable and fully evidenced.
• Structuring and documentation focus: Assess transaction structures (e.g., subordination, security package, cashflow waterfall, covenants, jurisdictional considerations), and set clear approval conditions.
• Portfolio stewardship: Own and actively manage a defined portfolio of structured exposures, including periodic reviews, monitoring of covenants/triggers, and timely escalation of deteriorating trends.
• Early risk identification: Proactively identify emerging risks (market, sector, model, correlation, concentration, liquidity, ESG/reputational), and drive appropriate mitigants to protect the Bank.
• Risk appetite and governance: Contribute to risk appetite calibration, deal guidelines, portfolio concentration analysis, and product/sector reviews; ensure decisions are consistent with the Group’s credit culture (conservative, constructive, and competitive).
• Stakeholder engagement: Partner with Relationship Management, Product, Structuring, Legal, Portfolio Management and Group colleagues to shape pipelines responsibly—bringing practical solutions while maintaining independence of risk judgement.
• Responsible banking lens: Provide input on environmental, social and reputational risks in proposals and ongoing monitoring, escalating where required.

Apply if you match these qualifications

• Degree (Bachelor’s/Master’s) in finance, economics, business or a related discipline.
• Experience in corporate credit or structured credit transactions with a strong grasp of credit fundamentals (cashflow analysis, leverage, collateral, and legal/documentation concepts).
• Proven ability to operate in high-paced approval environments, prioritising competing demands without compromising risk discipline.
• Ability to communicate risk clearly—translating technical credit concerns into actionable conditions for the business.
• Sound judgement, resilience, and the confidence to challenge constructively and negotiate mitigants.
• Strong financial/accounting skills; comfort with stress/scenario analysis and portfolio analytics.
• Fluent English (written and spoken); French is an advantage.

Inclusion and accessibility

We value difference and are committed to an inclusive workplace. If you need adjustments during the recruitment process, let us know.

What you’ll get in return:

HSBC operates multiple variable pay plans, to reflect the diverse nature of the businesses, roles and markets in which we operate. Variable pay is designed to reward colleagues for their individual performance and contribution, as well as the performance of their relevant Business / Infrastructure, and the overall Group.

We offer a comprehensive and competitive package of benefits covering usually covering healthcare, life assurance, pension, and family friendly leaves, as well as many other benefits to support your wellbeing.

• We’ll help you progress your career, including access to development programmes, through HSBC University and our Degreed platform
• You can work your way and will have a say in when, where and how you and your team flexibly work together
• Our benefits will give you financial security, and can include company savings plan (PEE), savings plan for collective retirement, mutual insurance for you and your family, loyalty bonus, a Time Savings Account to monetize untaken off days (CET)…
• A Work Council which offers ticketing, travel, sports, legal aid, Christmas vouchers, Summer break vouchers…
• Our family-focused benefits can help you to support your loved ones and include family events days off (wedding, civil union…), additional maternity or breastfeeding leave, birth bonus, partial reimbursement of childcare costs, assistance to employees taking care of a relative with disability…
• We’ll give you a huge range of resources that support your well-being (yoga, sophrology, Mindfulness app)
• You’ll have international opportunities - this can be your place to start and branch out to anywhere we have offices
• A work environment that promotes Diversity & Inclusion, where you’ll be able to join our different Employee Resource Groups
• These benefits are on top of local usual benefits in France (refund of transport fees at 50%, 5 weeks of paid vacation & RTT, meal voucher card or corporate restaurant depending on location)

HSBC has been certified “Top Employer 2026” in Europe. This recognition from the Top Employers Institute rewards our HR practices and recognises HSBC as an HR Leader in several countries in Continental Europe. Not only is HSBC a great place to work, but we also offer the following unique and exciting benefits & opportunities!

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. 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.

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