Junior Credit Advisor

Job description

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.

HSBC Private Bank seeks to be the leading international private bank for business owners and their families. It provides clients with wealth, business and family succession solutions in the largest and fastest growing markets around the world. At HSBC Private Bank, we put our clients at the centre of everything we do. With USD517 billion of total assets under management, HSBC Private Bank is one of the largest international private banks.

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 and/or

· 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 and/or
· Underwrite and execute both loan and derivative structures, perform high quality analysis, due diligence and credit presentations and/or

· Maintains a thorough understanding of the content and aggregate risks within an assigned portfolio, trends and other KRIs and/or

· 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

· Adherence to all regulatory and HSBC Group controls in line with published guidelines

· Maintain and build strong relationships across all teams in PB

· Demonstrate expected core behaviours and values including teamwork, focus, drive and determination

· Recommend and review documentation

· Monitoring the adherence to published guidelines including the implementation of any changes in GPB Credit risk appetite

· Stays 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

· Actively work to maintain and improve portfolio quality and prevent loss

· 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

· Ability to quickly assess and understand changes in client preferences, client appetite, as well as industry and competitor dynamics vis-à-vis credit products and solutions

Desired profile

Qualifications :

To be successful in the role, you should meet the following requirements:

·  Experience: 0-3 years
·  University level in finance
·  Have proven sales skills, understands what drives new business, and how to interact with clients and prospective clients to develop high quality lending opportunities

·  The following skills are required at the highest levels of excellence: credit analytics, interpersonal skills, portfolio management and risk management

·  Completion of formal credit training and/or experience in Lombard lending

·  High quality collaboration skills in a team-oriented environment

·  Ability to meet deadlines and manage relationship manager and client expectations

·  Possess excellent oral and written communication skills in French and in English. Exceptional presentation skills

You'll achieve more when you join HSBC.

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.

To discover more about HSBC, please check our website: https://www.hsbc.com/about-hsbc