HSBC Group

If you are a UK or CIIOM based employee, please apply using the following link which will take you to our new Recruitment System:   https://performancemanager.successfactors.eu/sf/jobreqpvt?jobId=8271&company=hsbcholdin&st=0215764FE4A4894A4FB92DE8EE51EFF3EFD8B5D1

If you’re looking to take an exciting new direction with your HSBC career, an internal move can open the door to many opportunities, allowing you to take on a new challenge, and develop your skills. Bring your knowledge of our brand to a new role and grow yourself further.   

Credit & Capital Management (CCM) under CIB are in the process of implementing a new, modern, and consistent E2E operating model.  A key component of this operating model is the introduction of a first line credit management office (the Business Credit Office.) 

We are looking for a competent professional to join our team in the role of Business Credit Office Manager. 

The Business Credit Office (BCO) Manager provides credit management support to Relationship Managers (RMs) / Coverage and facilitates client review and renewal activities, and is responsible for carrying out customer outreach, research, financial and credit analysis on behalf of the RMs, ensuring exemplary risk management acumen and control standards are embedded within the end-to-end CCM process. In discharging their duties the role holder must ensure a common, reliable, and predictable underwriting and lending process, that protects the business from exposure, whilst responding to clients borrowing needs.  

They are also responsible for co-ordination and completion of credit applications or renewals and risk escalation management.  The role holder will report to the BCO Team Lead and will work closely with the Coverage and Transaction Support teams to ensure seamless customer experience and consistency of service for all customers.

A move across the business allows you to continue to access tailored professional development opportunities and our fantastic benefits packages. 

In this role you will:
•    Be responsible for the delivery of BCO tasks in line with agreed OKRs, SLAs and KPIs
•    Own the end-to-end Credit & Capital Management servicing journey, ensuring a seamless and efficient process for customers and internal stakeholders
•    Combine client relationship management with strong risk assessment and management capabilities ensuring the required credit quality & requisite returns on risk
•    Continuously drive improvement in their productivity whilst enhancing client experience.
•    Adopt technology and customer experience improvement initiatives, including alignment to a globally consistent CCM operating model.
•    Participate in deal discussions and meetings with clients or credit risk as required
•    Provide strong execution and implementation ability. 
•    Build and maintain strong relationships across the teams, including credibility with both Business and Risk leaders. 
•    Protect the Bank by acting as First Line of Defence and adhering to all controls
•    Maintain HSBC internal control standards, including timely implementation of internal and external audit recomentations, along with addressing any issues raised by external regulators
•    Engage in constructive and consistent dialogue with risk partners, in a manner that effectively balances commercial outcomes and risk management 
•    Work with the BCO Team Lead to ensure adequate credit risk management controls are built into the operational process and robust MI is in place to track and measure risk against agreed thresholds
 

To be successful in this role you should have:

•    Knowledge and experience in Business, Finance, or a related field
•    Significant corporate lending experience with strong analytical skills and sound credit knowledge 
•    Strong understanding of various financing instruments and banking products for Wholesale Banking
•    Excellent written and verbal communication skills with the ability to share and present complex information in a clear, concise, and accurate way
•    Strong stakeholder management skills, with the ability to navigate complex situations and drive alignment among senior leaders
•    Clear understanding of the Group credit risk principles, policies and statutory compliances
•    Strong commercial mindset

This is a hybrid role with preferred base location in either Birmingham, Leicester or Hamilton. 

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. Our recruitment processes are accessible to everyone - no matter their gender, ethnicity, disability, religion, sexual orientation, or age.

We take pride in being a Disability Confident Leader and will offer an interview to people with disabilities, long term conditions or neurodivergent candidates who meet the minimum criteria for the role.

If you’d like to apply for one of our roles and need adjustments made, please get in touch with our Recruitment Helpdesk:
Email: hsbc.recruitment@hsbc.com
Telephone: +44 207 832 8500

You can find out more about the recruitment journey and what to expect by viewing our Recruitment Process FAQs in HR Direct and by clicking here (only available via internal access).