DESCRIPTION

• HSBC serves customers worldwide through an international network with 3,900 offices in 67 countries and territories worldwide. Our purpose is connecting customers to opportunities, enabling businesses and economies to prosper. We serve our customers through four global businesses: Commercial Banking (CMB), Global Banking & Markets (GBM), Retail Banking & Wealth Management (RBWM) and Global Private Banking.
• The Bank's front line business model is constructed around Credit Management (CM) and Relationship Management (RM) teams that serve as the anchor for relationships and coordinate with product partners (such as Capital Financing, Global Liquidity & Cash Management (GLCM), Global Trade & Receivables Finance (GTRF), Private Banking, and Global Banking & Markets (GBM)) to offer solutions based on customer needs and business complexity. HSBC offers its products and services to domestic companies, however a particular focus is placed on companies that have an international footprint and/or aspire to grow internationally and use HSBC for its global connectivity and expertise.
• Credit Management provides front line credit and risk ownership including writing credit requests, performing credit analysis, modeling projection and enterprise valuation analysis, coordinating with internal stakeholders (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 expert judgment and conforming with internal credit policies/guidelines and external regulatory requirements.
• International Subsidiary Banking (ISB) is an integral part of HSBC that manages subsidiaries of companies (on behalf of a globally managed Parent company) around the world. The ISB team consists of a network of dedicated bankers in nearly 50 countries, managing over 22,000 subsidiary client relationships. ISB bankers work with global relationship managers (GRM) and product partners to understand and deliver on customers' international needs while striving to provide consistent, in-depth and dedicated coverage across the HSBC network.
• Corporate Banking is a cornerstone of HSBC, offering solutions to meet the needs of mid-market and large multinationals companies across a wide spectrum of sectors. CMs and RMs engage with the C-suite (Chairman, CEO and CFO) and advise clients of how to leverage financial services (M&A advisory services, debt and equity market raises, etc.) and products to achieve their operational and financial objectives. Products typically offered include working capital, term loans, and acquisition or project finance loans.
• Commercial Direct offers a comprehensive suite of banking products to small enterprises to meet their day-to-day operational needs and provides clients with the tools they need to grow and prosper. Financial services offered to clients range from cash management services to credit lines used for working capital and general corporate purposes.

BUSINESS IMPACT

• Deliver the business strategy with strong knowledge of Commercial Banking (CMB) priorities
• Work effectively in partnership with other CMB segments and product teams
• Cross-pollinate best practices across regions, leading and participating in local/regional/global initiatives that result in effective risk management practices, more efficient delivery, stronger returns and deeper customer relationships

CUSTOMERS & STAKEHOLDERS

• Represent and develop the HSBC brand in the marketplace
• Build strategic and valued relationships with customers, applying knowledge to provide value-add advice and assistance
• Strong collaboration internally to develop best-in-class experience and outcomes for our teams and employees
• Effective and timely dialogue with all stakeholders across CMB, HSBC Group, and our clients
• Deliver fair outcomes for our customers that do not disrupt the orderly and transparent operation of financial markets
• Prevent and proactively identify actions and behaviors that may constitute market misconduct and respond appropriately
• Manage conflicts of interest and appropriately handle information to reduce the opportunity for misuse

OPERATIONAL EFFECTIVENESS & CONTROL

• Recommend ideas and contribute to implementing actions that will improve customer service, quality, and the way teams and individuals work together
• Adhere to HSBC policies, procedures, and control requirements and raise any concerns about actual or potential issues promptly, in line with reporting and escalation procedures
• Continuously gather and analyze information from relevant sources to assess potential impacts and identify risks and business opportunities
• Compliance with all relevant financial services laws, rules and codes with adherence to all relevant procedures. Maintain accurate and appropriate records
• Understand the internal control structure referred to as the 'Three Lines of Defense', understand your role within the framework and act accordingly in line with operational risk policy

RISK MANAGEMENT

• Embody the behaviors that form part of the HSBC Values and culture while adhering to HSBC risk policies and procedures
• Make informed decisions in accordance with the core principles of HSBC's Financial Crime Risk Appetite in adherence with Global AML, Sanctions, and ABC policies
• Responsible for ensuring that operational risks are managed in accordance with the Group Standards Manual, Risk FIM, Credit Policy Manual (CPM), and relevant guidelines and standards
• Analyze client and business risk taking into account changing economic and market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings, and the impact of new technology
• Ensure all actions take into account the likelihood of operational risk occurring, addressing areas of concern in conjunction with Risk and relevant colleagues and ensuring that actions resulting from internal/external audits and external regulators are correctly implemented in a timely fashion

CULTURE & BEHAVIORS

• Appropriate conduct is integral to HSBC values and principles and supports all business activities including the Group's growth strategy, culture and behaviors, interaction with customers, financial markets operations, and governance and oversight processes. All employees must demonstrate the HSBC vision, values, goals, and culture in personal behavior, actions, and decision making
• Embed proper culture which supports our people and empowers them to consistently do the right thing for our customers and markets in which we operate. HSBC's approach to conduct is designed to ensure we deliver fair outcomes for our customers and do not disrupt the orderly and transparent operation of financial markets
• Open to challenges, acknowledge and provide transparency when there are issues and concerns, provide solutions and ideas to fix things and learn from our mistakes
• Take personal responsibility for understanding and agreeing to performance expectations, completing mandatory training, and developing the levels of capability and competence needed to be effective in the role
• Contribute to team development, effectiveness, and success by sharing knowledge and best practice, working collaboratively with others to create a productive, diverse, and supportive working environment

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

ROLE EXPECTATIONS

• Strong knowledge of credit analysis fundamentals (including mastering key credit metrics)
• Aptitude to analyze/defend/discuss risk ratings
• Ability to analyze a credit request and conduct financial modeling with little intervention: historical analysis, projection scenarios, enterprise valuation analysis, competitor and key sector/trend analysis
• Comprehension of systems: Staff Front End (SFE), HUB VDU, CARM, Capital IQ, MRA/GLCS, Credit Data Warehouse (CDW/LGD), FileNet
• Strong comprehension of primary Credit Policies (CPM and FIM, mastering proper navigation), front line processes (including underwriting, syndicated and bi-lateral) and procedures, cross-border guidance and policy, and Lending Guidelines
• Own assigned relationships and portfolio, incrementally supporting Senior Credit Managers and Credit Managers (Sr CM/CM) with the broader portfolio. Understand and drive end to end credit process for all basic new money requests, annual reviews, quarterly reviews (including Watch List and Leveraged Lending Facilities)
• Independently analyze and write Credit Requests and Indication of Appetite (IOA) recommendations, performing sound credit analysis and owning the requests with little intervention and owning the end to end credit process
• Develop strong relationships with CM/SR CM, Team Leads, Global Relationship Manager (GRM)/Relationship Manager (RM)/Associate Relationship Managers (ARMs), Credit Approval Unit (CAU), and product partners while continually asking questions to further development
• Strong communication with CAU, build credibility through detailed comprehension of credit requests
• Strong management and timely submission of financial reporting (including covenant compliance certificates) and Out of Approvals (OOA)
• Strong knowledge and application of Customer Risk Rating (CRR), Facility Grade (FG), Loss Given Default (LGD), Sustainability Risk Rating (SRR), Transition Risk and Credit Risks/Mitigants
• Strong focus on consistency and high quality of work
• Timely completion of responsibilities, strong organizational behaviors, high quality communication
• Owning data integrity in CARM and systems of record, understanding the importance of the front line control environment and reliance on quality and timeliness of entry on accounting systems, regulatory reporting, and decision making
• Demonstrated ability to remain current on all required training classes, including credit policy certification
• Commitment to teamwork and proactively seeking assignments outside of assigned team
• Active client interaction and/or presence at Bank meetings
• Strong understanding and ability to clearly analyze and articulate a Credit Agreement
• Engaging with global colleagues to manage global exposures, endorsements, escalations as applicable
• Deepened exposure to product teams and transaction within Global Liquidity Cash Management, Global Trade Receivables Finance, Foreign Exchange & Rates

#wayup 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.