Credit Advisor - Private Bank UK London, England
Job description
Some careers have more impact than others.
If you’re looking for a career where you can make a real impression, join HSBC and discover how valued you’ll be.
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.
The Credit Advisor is a client facing role whose main responsibility is supporting the Relationship Managers (RMs) by structuring lending solutions for Private Banking 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.
- Lending solutions include residential mortgages, lending against financial assets (Lombard) and bespoke lending solutions.
Key Accountabilities:
- Handle enquiries, provide guidance to 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.
- Deliver fair outcomes for our customers and ensure own conduct maintains the orderly and transparent operation of financial markets.
Qualifications - External
- Proven ability to develop high quality lending opportunities and relationships
- Strong credit analytical, portfolio management, risk management & interpersonal skills
- CeMAP qualification preferred
- 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.
You’ll achieve more when you join HSBC.
Issued by The Hongkong and Shanghai Banking Corporation Limited. As a business operating in markets all around the world, we believe diversity brings benefits for our customers, our business and our people.
HSBC is committed to being an inclusive employer and providing an inclusive and accessible recruitment process for all. We will provide reasonable adjustments to remove any disadvantage to you being considered for this role. We are proud members of the Disability Confident Scheme, and will offer an interview to disabled candidates who meet the minimum criteria for the role. If you would like to receive any information in a different way or would like us to do anything differently to help you
