HSBC Group

Open positions: 1

Global Career Band: 7IC

Why join us? 

Underwriting Services undertakes all credit risk related processing for Retail Banking customers from the point of initial customer evaluation to the point of pre-delinquency or closure.  The primary purpose of UwS is to manage the credit risk to the Bank in line with the stated risk appetite and policies while meeting agreed customer journey standards and enabling the business to grow profits sustainably; and to ensure that Underwriting Services processes will adhere to all applicable global and local regulatory policies and Bank standards including relevant credit policies.      

The Opportunity:  

The jobholder has responsibility for providing a high quality service to achieve maximum customer satisfaction by providing credit approvals for both mortgage and unsecured lending applications received via the branch network and direct sales channels.

What you’ll do:     

The jobholder has responsibility for providing a high quality service to achieve maximum customer satisfaction by providing credit approvals for both mortgage and unsecured lending applications received via the branch network and direct sales channels.

What you will need to succeed in the role:       

The role is to foster and encourage a sound common credit culture and to avoid undue risk concentrations, with the aim of ensuring a sustainable high quality lending portfolio. In carrying out these duties, the jobholder must be fully aware of the need to meet customer requirements and the overall effect of the market place on the credit process. At all times, credit standards as issued by Credit & Risk must be adhered to.

In fulfilling these objectives, there is a need to provide direction and guidance to the branch network/direct sales channels.

In summary, the prime objective is to ensure that an appropriate balance is achieved between maximizing income, maintaining a well-balanced book as to risk, ensuring credit standards are observed and at the same time being fully responsive to the needs of the customers and the market place.

What additional skills will be good to have?     

Knowledge

• An awareness of credit risk/credit principles and procedures pertaining to the approval of mortgages and unsecured lending products.
• Knowledge of HSBC group and its operations and products.
• Provide excellent customer service.
• College education in any discipline. Higher qualification not a bar provided aspirations are commensurate with the position (Degree in finance related is preferred).

Experience

• Highly motivated, self-starter with the ability to deliver to tight timeframes.
• Ability to work effectively, prioritizing tasks whilst always maintaining high standards of quality and accuracy.
• Attention to detail, good planning and organizational skills.
• 2 years or above Finance industry experience.
• Ability to understand Cantonese in vocal.
• Fluent English/Mandarin/Cantonese in vocal (For Call Team).

Skills

• Demonstrates new ways of working to improve performance.
• Effectively shares perspective on an issue while encouraging two-way communication.
• Is self-aware and understands personal capability gaps.
• Takes ownership of problems until resolves.
• Anticipates, understands and is responsive to customers’ true needs and priorities.
• Communicates with Impact.

Please refer the Candidate User Guide in the below link to understand your own journey as a candidate.

https://hsbchrdirect.service-now.com/esc?id=kb_article&table=kb_knowledge&sysparm_article=KB0184596&sys_kb_id=712b5f041b1f82908d3a0fe7ec4bcbd6

You’ll achieve more at HSBC

HSBC is an equal opportunity employer committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and, opportunities to grow within an inclusive and diverse environment. We encourage applications from all suitably qualified persons irrespective of, but not limited to, their gender or genetic information, sexual orientation, ethnicity, religion, social status, medical care leave requirements, political affiliation, people with disabilities, color, national origin, veteran status, etc., We consider all applications based on merit and suitability to the role.

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.

***Issued by HSBC Electronic Data Processing (Guangdong) Ltd. GSC China***

(* The information contained in this job description is a true and accurate reflection of the job as specified.)