Job description
Employment Type : Regular
Provides daily management of a diverse Commercial Credit portfolio
Manages a large and/or complex loan portfolio for large and/or important Middle Market, Commercial/Corporate Finance or Real Estate Finance customers or prospects to maximize contribution to economic profit
Impact on the Business
Develop effective strategies in managing a large and/or complex loan portfolio; ensure efforts support business plans while meeting Company objectives by expanding existing profitable relationships and developing new relationships with potential long-term customer or prospects. Maintain quality service for all customers and monitor relationship profitability
Customers / Stakeholders
Maintain call program to service clients and ensure quality service for all customers and monitor relationship profitability
Structure credit facilities to ensure optimum between customer and Company interests while remaining within bounds of prudent banking and approved Company policy and practice
Operational Effectiveness & Control
Proactively promote, sell and deliver a full range of business products and service and screen for appropriate referral or relationship management opportunities. This includes, but not limited to credit, investment services, Private Banking, Trust, trade finance, treasury, commercial accounts, cash management, commercial electronic services, and foreign exchange products)
Complete thorough and in-depth evaluations or reviews of financial and operating risk for all credits; approve/reject credits within assigned limits according to Company standards and forward recommendations exceeding the limit as appropriate
Monitor activity on facilities to ensure usage is in accordance with approved terms and condition. Ensure propriety of advances and repayments with assistance from Commercial Support
Identify opportunities from cross-sell of other Company and Group products and services as appropriate, ensuring their follow-up by sales personnel
The position keeps higher management informed of significant matters
Role Context
Office environment with car travel required to attend client meetings
Management of Risk
Ensure compliance, operational risk controls in accordance with HSBC or regulatory standards and policies; and optimize relations with regulators by addressing any issues
Observation of Internal Controls
Maintains HSBC internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators
Desired Skills and Experience
Minimum of seven years proven and progressive commercial lending/credit experience or equivalent
Bachelor's degree in business, finance, accounting, related field or equivalent experience
Well-developed decision-making, communications and persuasion skills
Sound understanding of lending and credit approval processes as well as pertinent Company policies and external regulations
