Associate, CAU

HSBC Corporate and Institutional Banking(CIB)

HSBC Corporate and Institutional Banking is a markets-led, financing-focused business that provides investment and financial solutions. Through our international network, we connect emerging and mature markets, covering key growth areas. We partner with our corporate, government and institutional clients to help them achieve consistent, long-term performance. Our products and services include advisory, financing, prime services, research and analysis, securities services, trading and sales and transaction banking.

We are currently seeking an experienced professional to join our team.

In this role, you will:

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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.)

The BCO function will complete tasks including structuring, credit analysis and rating recommendation, client credit monitoring tasks, credit terms and docs negotiation with WCMR and clients acting as a single handoff from a RM to the BCO for all CCM tasks, creating a single control point.

The 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.

The BCO manager will need to be an effective collaborator and skilled stakeholder manager, successfully navigating complex landscape to deliver exceptional outcomes for our customers and stakeholders.

Key Responsibilities

•    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

•    Strong execution and implementation ability.

•    Ability to 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

•    Demonstrates ability to 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 the role, you should meet the following requirements:

Knowledge and Experience

•    Bachelor's degree in Business, Finance, or a related field

•    5-8 years corporate lending experience with strong analytical skills and sound credit knowledge

•    Strong understanding of various financing instruments and banking products for Wholesale Banking

•    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

•    Strong communication and interpersonal skills, with the ability to influence and collaborate effectively across all levels of the organization

You’ll achieve more at HSBC.

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Issued by HSBC Bank (China) Company Limited