Job Description

At HSBC, the health and well-being of our employees remains of utmost importance. Many of our roles are permitted to work from home (in states in which HSBC is licensed to operate) until further notice. Upon resumption of normal operations, this role may be performed at our San Francisco, California office.

About Us

Credit Management provides front line credit and risk ownership including writing credit papers, performing credit analysis, modeling projection and enterprise valuation analysis, coordinating with internal partners (such as Credit Risk, relationship managers, global partners, and product teams), client engagement on credit risk and structuring, and delivering sound recommendations based on robust business, relationship, and industry analysis using experienced judgment and conforming with internal credit policies/guidelines and external regulatory requirements.

Role Expectations

• Cover a diverse portfolio of U.S. headquartered clients in Corporates (revenues $50 million+) and Global Banking (revenues $5 billion+), consisting of both Investment Grade and High Yield names with concentration in certain sectors i.e. TMT, Healthcare.

• Proactively monitor ongoing credit quality of assigned portfolio and its industry, including preparing Annual and Quarterly Reviews and tracking and testing covenants.

• Develop and maintain a collaborative working relationship with supported front line business units and credit approval unit (CAU)

• Lead the underwriting process on syndicated and bilateral deals, in conjunction with collaborating with various partners, including junior bankers, Internal Legal/Compliance to complete the process from start to end.

• Provide in-depth analysis of credit including loan structure, applicant’s business and industry profile, historical financial performance, cash flow projections, EV and peer analysis

• Recommend appropriate risk rating for each customer/transaction as required

• Mentor credit analysts on effective underwriting and communication skills

• Build a solid understanding of HSBC products and services within Commercial Banking and the broader organization.

• Assist with credit reviews, Internal Audits, Regulatory Liaison office as applicable

• Proven track record to remain current on all required training classes, including credit policy certification

Requirements

Employment eligibility to work with HSBC in the U.S. is required as the company will not pursue visa sponsorship for these positions.

You should apply if you have

• Ability to analyze situations optimally and make well-thought out decisions

• Shown leadership skills including mentor, motivation and communications skills to inspire others

• Strong teamwork skills promoting an environment of co-operation and trust, overcoming resistance where encountered

• Strong analytical and financial skills

• Excellent prioritizing, organizational and time management abilities

• Excellent verbal and written communications skills

As an HSBC employee, you will have access to tailored professional development opportunities to ensure you have the right skills for today and tomorrow. We offer a competitive pay and benefits package including a robust Wellness Hub, all in a welcoming, diverse and inclusive work environment. You will be empowered to drive HSBC’s engagement with the communities we serve through an industry-leading volunteerism policy, a generous matching gift program, and a comprehensive program of immersive Sustainability and Climate Change Initiatives. You’ll want to join our Employee Resource Groups as they play an integral part in life at HSBC, including the development of our employees and networking inside and outside of HSBC. We value difference. We succeed together. We take ownership. We get it done. And we want you to help us build the bank of the future!

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

HSBC is one of the world’s largest banking and financial services organizations. Our global businesses serve around 39 million customers worldwide through a network that covers 62 countries and territories. Our customers range from individual savers and investors to some of the world’s biggest companies, governments and international organizations. We aim to connect them to opportunities and help them to achieve their ambitions.