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. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.
Wealth and Personal Banking is our new global business combining Retail Banking and Wealth Management; and Global Private Banking, to become one of the world’s largest global wealth managers with USD1.4 trillion in assets. Our dedicated colleagues serve millions of customers worldwide across the entire spectrum of private wealth, ranging from personal banking for individuals and families, through to business owners, investors and ultra-high-net-worth individuals. We provide products and services such as bank accounts, credit cards, personal loans and mortgages, as well as asset management, insurance, wealth management and private banking, that best suit our customers’ needs..
We are currently seeking an ambitious individual to join our Credit Advisory team, working together with colleagues to define, manage and achieve divisional business targets.
The Credit Advisor is a client facing role whose main responsibility is marketing credit to RMs and clients by:
Identifying, structuring, negotiating and underwriting new credit opportunities
Managing existing portfolios, developing appropriate recommendations for credit approval, ensuring compliance with documented covenants and financial reporting requirements and/or
Reviewing credit limits and monitoring collateral while balancing portfolio’s risk-return
In this role, you will:
Handle enquiries, provide guidance to business (RMs) in identifying, structuring and marketing suitable credit solutions to meet client’s needs
Underwrite and execute both loan and derivative structures, perform high quality analysis, due diligence and credit presentations
Maintain a thorough understanding of the content and aggregate risks within an assigned portfolio, trends and other KRIs
Recommend credit structure and assess risk
Provide good customer service at all times to both internal and external clients
Proactively identify and develop new business opportunities for new and existing clients
Adhere to all regulatory and HSBC Group controls in line with published guidelines
Maintain and build strong relationships across all teams in Private Banking
Demonstrate expected core behaviors and values including teamwork, focus, drive and determination
Recommend and review documentation
Monitor the adherence to published guidelines including the implementation of any changes in GPB Credit risk appetite
Stay abreast of legal and regulatory changes and industry trends
Balance objective of risk management and client
Change debt structure/risk ratings in response to changes in risk
Maintain and improve portfolio quality and prevent loss
In partnership with the relationship management teams, provide a highly professional, competent and skilled service
Complete all required credit applications and supporting documentation
Adopt a proactive and enquiring approach to all tasks. Demonstrate the ability to work with little or no supervision and to work well under pressure and to the required deadlines
Demonstrate initiative and knowledge to deal with ad hoc requests as they arise and have the ability to see them through to a successful conclusion
Maintain HSBC internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators
Understand, follow and demonstrate compliance with all relevant internal and external rules, regulations and procedures that apply to the conduct of the business in which the jobholder is involved, specifically Internal Controls and any Compliance policy including, inter alia, the Group Compliance policy
Establish and maintain an excellent working relationship with Relationship Managers and colleagues across the Group. Liaise with internal and external clients to ensure that their expectations are met in a timely manner and understood
Develop and implement credit product marketing strategies, consistent with providing sound financial private banking advice and management of risk
Underwrite all credit applications and annual reviews on a timely basis
Monitor and manage portfolio risk and meet the KRI standards
Quickly assess and understand changes in client preferences, client appetite, as well as industry and competitor dynamics vis-à-vis credit products and solutions
Be aware of the Operational Risk scenario associated with the role and act in a manner that takes into account the operational risk considerations
To be successful in the role, you should meet the following requirements:
Previous professional working experience of minimum 5-7 years in credit/Lombard lending
Experience in credit analytics, portfolio and risk management
University degree is preferred
Have proven sales skills, understand what drives new business, and how to interact with existing and prospective clients to develop high quality lending opportunities
Strong interpersonal skills with high quality collaboration skills in a team-oriented environment
Ability to meet deadlines and manage relationship managers’ and clients’ expectations
Possess excellent oral and written communication skills in English. French would be an advantage
Exceptional presentation skills
Due to immigration restrictions in Switzerland we will only be able to consider applications from Swiss or EU citizens or from candidates holding a valid Swiss work permit.
At HSBC we put great emphasis on our values. Our values define who we are as an organisation and what makes us distinctive.
Dependable - we are dependable, stand firm for what is right and deliver on our commitments
Open - we are open to different ideas and cultures, and value diverse perspectives
Connected - we are connected to our customers, communities, regulators and each other, caring about individuals and their progress
These values reflect the best aspects of our 150-year heritage. They are vital to fulfilling our purpose of helping businesses to thrive, economies to prosper and ultimately helping people to fulfil their hopes and realise their ambitions.
You’ll achieve more at HSBC.
Candidate with less relevant experience or skills may be offered a lower Global Career Band than stated above.
We are an equal opportunity employer and are committed to creating a diverse environment.
As a business operating in markets all around the world, we believe diversity brings benefits for our customers, our business and our people. This is why HSBC is committed to being an inclusive employer and encourages applications from all suitably qualified applicants irrespective of background, circumstances, age, disability, gender identity, ethnicity, religion or belief and sexual orientation.
We want everyone to be able to fulfil their potential which is why we provide a range of flexible working arrangements and family friendly policies.
HSBC is a signatory company of the Advance Charter. This Charter is a commitment towards gender equality in business and hence a workplace environment that supports a fair and balanced approach to hiring, remunerating, promoting and retaining female talent.
Please apply via our careers website at the following link :https://hsbc.taleo.net/careersection/external/moresearch.ftl?lang=en_gb
Taleo reference: 0000EVR5