Job description

Our purpose - Opening up a world of opportunity - explains why we exist. Here at HSBC we use our unique expertise, capabilities, breadth and perspectives to open up new kinds of opportunity for our more than 40 million customers. We’re bringing together the people, ideas and capital that nurture progress and growth, helping to create a better world - for our customers, our people, our investors, our communities and the planet we all share.

As our Credit Advisor you’ll be the go-to expert on all credit and risk based products with emphasis and support to Private Banking relationship managers and business heads. You’ll be responsible for identifying, structuring, negotiating, and underwriting new credit opportunities. Every day, you’ll build trust with clients and your team in these interactions by learning new concepts and researching information in real-time to provide creative solutions. To thrive in this job, you need experience in risk and portfolio management with credit products. You should also be familiar with a credit analysis, relationship building and Microsoft Office.

Here’s what you can expect:

As the Credit Advisor you will be attending meetings with global stakeholders to build trust and enable efficient communication across time zones as you help them make important financial decisions. You will apply your research and evaluations from a wide variety of sources to develop an assessment of client, competitor and industry risks and trends. You’ll work with your team to dig into the details and look at problems from every perspective. You must know how to pull together products, partners and stakeholders to support one decision. Troubleshooting. Scenarios range in complexity and you’ll need to adapt to one-of a kind challenges, everyday scenarios, and geopolitical issues.

For this role, HSBC targets a fixed pay range between $125,000 and $150,000.

The final fixed pay offer will depend on the candidate and a number of variables, including but not limited to, role responsibilities, skill set, depth of experience and education, licensing/certification requirements, internal relativity, and specific work location.

At HSBC, our overall goal is to provide a competitive Total Reward Package, with an appropriate mix of fixed pay, and variable pay, as part of an employee’s overall total compensation and benefits. Variable pay generally takes the form of discretionary, annual awards (sometimes referred to as a “bonus”). Additionally, HSBC offers a wide range of competitive and flexible benefits designed to help you improve your health and well-being, finances, and lifestyle.

Requirements

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

• 5-10 years of experience and proven success in area of risk and portfolio management with credit products including some or all of the following:

  • Marketable securities

  • Single stock

  • Unsecured

  • Commercial Real Estate

  • Residential mortgages

  • Hedge Funds

  • Lending against Private Equity LP Interest

  • Private Equity Capital Call Financing

  • Life Insurance Premium Financing

  • Aircraft Financing

  • Yacht Financing

  • Management Fee Line

  • Art

  • Music Rights Financing

• Underwriting experience from start to finish that includes the following:

  • Spread personal financial statements

  • Cash flow analysis

  • Collateral analysis

• Experience creating credit memos that discusses the following:

  • Transaction summary

  • Structure of loan

  • Covenants

  • Collateral

  • Financials spreads

  • Risk and mitigates

  • Strength and weakness

  • Documentation

  • Recommendation

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 a central 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 responsibility. 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.