Job Description
HSBC is currently recruiting for the role of SMEs Senior Credit Services Manager
The Senior Credit Services Manager role assists Relationship Managers (RMs) in building relationships by identifying and meeting existing and prospective customer needs. This role is responsible for, carrying out customer research, financial and credit analysis and helping the RM grow their business. Other fundamental parts of the role include credit analysis, co-ordination of credit applications or renewals and risk escalation management.
Duties and Responsibilities
Your main responsibilities in this role include the following:
Senior CSU will be responsible for consolidating reports (required for BRC, exceptions, covenants …etc) for the whole division
Coordinating the SMEs selection committee
Quality check for all pipeline deals/filtration process (specially for acquisition team)
Assist CSU head in the SMEs work flow, process as well as related tasks (review of ALGs , process with credit services team…etc)
Senior CSU shall handle relatively sizable SMEs tickets and any complex deal including MTLs
Provide a wide spectrum of support to the Relationship Managers (RMs) to enable them to meet customer needs, improve client engagement and maximize operational efficiency
Enable proactive client management by attending client meetings with Relationship Manager as necessary and acting as the first point of contact for customers on daily credit-related enquiries
Prepare appropriate analysis, proposals and presentations to prospective customers
Undertake financial, credit and profitability analysis, and prepare the accounts remarks
Work closely with Service Delivery and co-ordinate the end-to-end credit process, review their deliverables and resolve issues
Monitor credit risk including concern lists and credit control reports, and analyse management information
Ensure consistent application of Group Policy and adhere to regulatory, financial, and legal standards to minimize business and reputational risks
Become fully involved in negotiations and pitches to clients alongside the RM to optimise the potential value of client relationships and deliver solutions, products and service appropriate to meet client needs and improve engagement
Support the RM assigned portfolios to achieve plan whilst also ensuring developments, sharing knowledge and encouraging others to do the same in the best interests of HSBC and its customers
Support achievement of the HSBC vision, Values, goals and culture in personal behaviour, actions and decision making
Encourage and enable constructive cross-country and cross-business teamwork by demonstrating collaboration and matrix management in action and challenging actions and behaviours that are not consistent with HSBC's diversity policy and/or the best interests of the business and its customers
Develop and recommend changes and improvements to operating models, procedures and practices based on subject matter expertise and understanding of HSBC and market best practice
Communicate and adhere to HSBC policy and procedures in order to ensure good operational, financial and project management, policy and procedural compliance and early identification and effective resolution or escalation of issues that arise
Contribute to the development, implementation and maintenance of a management information, analysis and reporting framework that supports and informs timely and effective business management and decision making at all levels
Contribute to the implementation and monitoring of the application of policies, governance frameworks, procedures, practices and standards to ensure quality, effective risk management and regulatory compliance
Deliver fair outcomes for our customers and ensure own conduct maintains the orderly and transparent operation of financial markets
Job Requirements
Bachelors Degree in a relevant field
Completing the Credit Course and having strong technical skills
Minimum of 3 years of solid experience in corporate (SME/Credit management)
Overall minimum of 5 years experience in Banking
Excellent command of English
