Job Description
Acting as the credit approver and primary contact for an assigned part/segment of CMB portfolio with regards to credit risk and policy issues. Oversee & manage the credit quality of the assigned segment with focus on facility conduct, exceptions, missing securities, WWM list, sector concentrations, internal policies & procedures as well as external and internal audit requirements /implementation of Group Compliance Policy and Global Standards.
Duties and Responsibilities
Your main responsibilities in this role include the following:
Approve CARM Renewals, Amendments, and new commitments in a timely and efficient manner while ensuring compliance to lending guidelines and policies as well as quick response to urgent proposals.
Monitor and manage CMB corporates portfolio risk profile through follow-up on customer level irregularities, sector concerns and emerging risks.
Minimizing potential losses through thorough risk assessment of credit proposals within delegated lending limit, and regular follow up on exceptions and past dues, while ensuring adherence to Group and CBE procedures and guidelines.
Support business growth by prioritizing new money proposals and ensuring approval process is within timeframe stipulated in SLA, while ensuring adherence to external and internal policies.
Acting as backup for colleagues and superiors in their absence in a way that guarantees a smooth work flow
Enhance self-development: complete a self-development plan in liaison with direct managers identifying potential development areas and interest. This includes training modules, job tasting opportunities (STAs), and engagement in projects where appropriate.
Preparing comments and responses on queries raised by the businesses, auditors, Group and MER and ensure that prompt and comprehensive replies are provided in cooperation with the relevant relationship executive.
Maintaining Quality of lending portfolio by ensuring that Bank guide-lines, standards & CBE regulations are being adhered to.
Assurance of Well-structured credit proposals with alignment to WMR FIM, Regional and local Lending Guidelines, lending Appetite, assuring appropriate credit, rationale, structure and standard controls are in place.
Monitoring exposure to assure early recognition of potential non-performing accounts and assist in initiating appropriate action as outlined by Group and CBE.
Ensure consistent adherence to actions agreed in previous audit issues, avoid repeat comments and aim to assure emerging issues are identified in a timely manner and recorded along with management action plans to correct/address. Avoid repeat comments.
Follow up to ensure abidance to covenants, special approvals and restrictions incorporated with Risk recommendations/ Approvals.
Understand, observe and apply the Group’s Global Standards and provide assistance to ensure successful implementation.
Deliver fair outcomes for our customers and ensure own conduct maintains the orderly and transparent operation of financial markets.
Job Requirements
Successful completion of in-house Executive Training Program or similar training involving comprehensive study of credit evaluation concepts including financial statement and cash flow analysis, lending rationales, financial and business risk assessment, structure of meaningful credit packages in addition to knowledge of various banking products and credit operations.
A minimum experience of 10 years within Wholesale risk &/or Corporate Banking.
Job Details
Vacancy Type: Full-time Job
Company/Organization: HSBC Bank Egypt
Job Functions: Risk Management
Job Location: Helwan, Cairo, Egypt
Application Deadline: 26 November 2018
>Apply on HSBC website
