Job description
Some careers open more doors than others.
If you’re looking for a career that will unlock new opportunities, join HSBC and experience the possibilities.
Global Risk is a thriving and expert risk management function supporting HSBC globally with all aspects of risk management. The team actively manages a varied and dynamic range of risk types, including security, fraud, information security, contingency, geopolitical, operational, credit, pension, insurance, financial crime and regulatory compliance, market, and reputation risks. All parts of the Global Risk team use their skills, insight, and integrity to handle established threats and those they see emerging, acting to protect and enable HSBC to deliver sustainable growth.
Role Overview:
Review and recommend or decision credit proposals within delegated approval authority. Manage the credit quality of the corporate portfolio and ensuring adherence to external regulations, internal policies and procedures as well as external and internal audit requirements and implementing Group Compliance Policy and Global Standards.
Duties & Responsibilities:
Impact on the Business/Function
• Decision CARM Renewals, Amendments, and new commitments in a timely and efficient manner while ensuring compliance to lending guidelines and policies as well as quick response to urgent proposals.
• Monitor and manage corporate portfolio risk profile through follow-up on customer level irregularities, sector concerns and emerging risks.
• Monitor accounts with exceptions and follow up on regularization of excesses/ past dues.
Customers / Stakeholders
• Minimize potential losses through thorough risk assessment of credit proposals within delegated lending limit, and regular follow up on exceptions and past dues, while ensuring adherence to Group and CB procedures and guidelines.
• Support business growth by prioritizing new money proposals and ensuring approval process is within timeframe stipulated in SLA, while ensuring adherence to external and internal policies.
Leadership & Teamwork
• Act as backup for colleagues in their absence in a way that guarantees a smooth work flow.
• Enhance self-development: complete a self-development plan in liaison with direct managers, identifying potential development areas and interest to reflect career aspirations. This includes training modules, job tasting opportunities (STAs), and engagement in projects where appropriate.
• Address queries raised by the businesses, auditors, Group and MER in a timely and collaborative manner.
Operational Effectiveness & Control
• Maintain Quality of lending portfolio by ensuring that Bank guide-lines, underwriting standards and regulatory requirements are adhered to and providing assurance that credit proposals are well-structured, within appetite and appropriate controls are in place.
• Monitor exposure to ensure early recognition of potential non-performing accounts and assist in initiating appropriate action as outlined by Group and regulators.
• Ensure consistent adherence to actions agreed in previous audit reviews, avoid repeat issues and aim to assure emerging issues are identified in a timely manner and recorded along with management action plans to correct, plus appropriate read across and lessons learnt.
• Follow up to ensure compliance with covenants, and approval conditions.
• Understand, observe and apply the Group’s Global Standards and provide assistance to ensure successful implementation.
Requisitos
Experience & Attributes:
• Ideally University degree in a quantitative field
• Minimum 5 years’ experience in evaluating the credit worthiness of a company and assessing credit risks.
• Strong understanding of wholesale credit business and wholesale credit products
• Analytical thinking and attention to detail is necessary for concise, accurate credit evaluations and recommendations.
• Strong communication and written skills
For further details and application information please visit our careers site, searching under reference number (ID: 0000KUIA).
We support our staff to adopt flexible and alternative ways of working where possible, including working from home and different hours subject to approvals.
HSBC is 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. 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 The Hong Kong and Shanghai Banking Corporation Limited.