Job Advert Details
Role Purpose:
- Evaluate, provide advice and guidance on, approve and recommend Corporate / Bank / Non-Bank Financial Institution / Securities transactions and annual reviews in a manner which safeguards the bank’s capital and reputation while contributing to its growth aspirations
- Manage traded credit / market risk tasks under guidance from regional risk teams
- Conduct sustainability risk reviews for recommendation to regional Sustainability & Reputational Risk
- Proactively monitor the quality of the credit portfolio and assist businesses to identify potential problem accounts and establish appropriate action strategies
Principal Accountabilities:
- Identify emerging risks through Portfolio Management strategies and initiate mitigation strategies
- Maintain Non-Performing Advances (NPAs) and Impairment Provisions within acceptable norms
- Adoption of Group/Regional policies and guidance, and ensure that they are consistently applied
- Promote sound asset quality of Japan’s portfolio and safeguard the Bank from potential credit losses
- Promote a forward-looking view of risk within the organization
- Provide Head of Wholesale Credit Risk (HoWCR) with credit related risk updates to be presented in risk management meetings and related governance forums
- Build effective relationships with businesses and regional risk
- Assist in the development of businesses skill base, as well as promote understanding of risk policy
- Prepare external / internal reports and/or presentations to regulators and internal stakeholders
- Work effectively with the Risk team as well as business / product / functional teams
- Support HoWCR to achieve effective implementation of Risk and/or Group strategy
- Assist HoWCR to establish / monitor Strategic Plan, Risk Appetite, and other initiatives and key issues
- Contribute by participating and completing Risk related projects
- Timely respond to businesses in line with SLA’s and specific business needs
- Maintain HSBC’s high internal control standards and ensure that financial / non-financial risks are properly monitored
- Adequately identify, assess, mitigate and control operational risks within the Wholesale Credit Risk approval team
- Understand various credit systems, and engage in the implementation and/or testing for upgrades
Information
- At least 5~10 years of experience in credit risk management, financial analysis and corporate/commercial banking with strong knowledge of Bank products
- Working knowledge of traded credit and market risk
- Experience in managing internal and/or external audits
- Good communication and interpersonal skills, including the capacity to clearly articulate reasons for approval / recommendation
- Strong language skills in both Japanese (native) and English (fluent) to manage communication with stakeholders and regulators
- Understand and interpret complex business requirements
- Proven ability to prioritise competing demands
- Demonstrated the ability to assess risk trends across industries and countries
- Professional qualifications in accounting or credit analysis are preferable