Credit Manager I

Beijing
Permanent
Full-time

2 days ago

HSBC Corporate and Institutional Banking(CIB)HSBC Corporate and Institutional Banking is a markets-led, financing-focused business that provides investment and financial solutions. Through our international network, we connect emerging and mature markets, covering key growth areas. We partner with our corporate, government and institutional clients to help them achieve consistent, long-term performance. Our products and services include advisory, financing, prime services, research and analysis, securities services, trading and sales and transaction banking.We are currently seeking an experienced professional to join our team.In this role, you will:Credit and Portfolio Management provides front line credit and risk ownership including writing credit papers, performing credit analysis, financial projections, coordinating with internal stakeholders (such as WCRM, Relationship Managers, global partners, and product teams), 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.

Conduct end-to-end credit application process including, preparation of credit applications based on thorough analysis of financial reports, financial modelling / cash flow projections, research and other data sources / market intelligence

Work closely with Relationship Managers to build strategic and valued relationships with customers, applying knowledge to structure credit facilities and provide value-add advice

Engage in proactive credit management for a portfolio of facility relationships, including active global credit appetite management and ongoing credit quality monitoring

Keep up with market, sector and competitive trends while developing product and sector/sub-sector knowledge

Keep abreast of external factors influencing both domestic and international business, e.g. economic, cultural, geographical, procedural and regulatory requirements

Establish an effective working relationship with WCRM, global partners, and product teams for ongoing credit management and actively engage in credit approval process

Monitor and manage robust controls in order to ensure credit risk are adequately mitigated and appropriate timely action taken to minimize losses to the Bank

Maintain adequate controls on timely responses to queries from various stakeholders, including portfolio review, reporting, responses on standard/ad-hoc returns

Recommend ideas and contribute to implementing actions that will improve credit process, quality, work efficiency, and the way teams and individuals work together

Compliance with all relevant laws, rules and codes with adherence to all internal credit policies/guidelines and external regulatory requirements

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

Bachelor's degree in Business, Finance, Accounting or a related field

5-8 year of experience in wholesale credit and lending with strong analytical skills，and sound credit and product knowledge

Excellent analytical and problem-solving skills, with the ability to consume large volumes of information and distill key areas of focus

Strong communication and interpersonal skills, with the ability to collaborate effectively with different stakeholders

Strong stakeholder management skills, with the ability to navigate complex situations and drive alignment among senior leaders

Clear understanding of the Group credit risk principles, policies and statutory compliances

Strong commercial mindset

Excellent prioritizing, organizational and time management abilities

Excellent verbal and written communication skills

You’ll achieve more at HSBC.HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within and inclusive and diverse environment. Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.Issued by HSBC Bank (China) Company Limited

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