Senior Manager, Wholesale Credit Risk.

at  HSBC

Job description

SOME CAREER CHOICES HAVE MORE IMPACT THAN OTHERS.

At HSBC we exist with the purpose of Opening up a World of Opportunity. We use our unique expertise, capabilities, breadth and perspectives to provide opportunities for our customers and colleagues through global connectivity. We bring 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 an HSBC employee in Australia, you’ll have access to tailored professional development opportunities, competitive pay, an embedded flexible working culture and a range of employee benefits. These include market-leading subsidised private health cover, enhanced parental pay and support when returning to work, subsidised banking products and services, bonus leave days and wellness programmes including discounted gym memberships.
Global Risk is a thriving and expert risk management function supporting HSBC globally with all aspects of risk management. The team actively manages a varied and dynamic range of risk types, including security, fraud, information security, operational, credit, compliance, regulatory, market and reputational risks. All parts of the Global Risk team use their skills, insight and integrity to handle established threats and those they see emerging, acting to protect and enable HSBC to deliver sustainable growth.
We are currently seeking a qualified individual to join the Wholesale Credit team in the role of Senior Manager reporting directly to the Head of Corporate Approvals for HSBC Australia. The role will be primarily responsible for ensuring sound asset quality and a conservative credit culture throughout the lending activities of the HSBC Group in Australia while ensuring that the credit approval process is responsive to customer needs and minimising credit losses.
This role has no direct or indirect reports.

Key responsibilities will include:

• Assess and decision corporate credit proposals for annual review, new money, amendment etc. within Credit Approval Authority (‘CAA’).
• Shape credit appetite by providing expert credit guidance at a transactional and portfolio level. Foster sound asset quality and a conservative credit culture throughout the lending activities of the HSBC in Australia (the ‘Bank’).
• Escalate credit concerns in a prompt and appropriate manner. Contribute to Worry, Watch, Monitor forums, sector reviews and other credit risk governance forums.
• Support growth and other strategic priorities of the Bank. Promote an efficient and commercial credit approval process that is responsive to customer needs.
• Ensure adherence to credit risk management framework, policies and procedures as well as regulator rules and guidelines.
• Develop subject matter expertise in sector, product or other SME area relevant to AUH WCR coverage.
• Assist in building team engagement and effectiveness – with the provision of effective coaching, mentoring and assistance as required.

Requirements

To be successful in the role you will need:

• Degree in Finance, Economics or Business Administration.
• Significant proven experience in corporate credit analysis and related risk management across a broad range of industries.
• In-depth analytical skills, with a strong commercial orientation and focus on credit quality.
• Strong analytical, planning, self-awareness, problem-solving, financial and technical skills.
• The ability to work autonomously and in a team.
• Strong stakeholder management skills and the ability to work effectively with Asia Pacific Risk and the business.
• Key involvement in setting of and ensuring alignment with industry risk appetite.
• Ability to drive cultural risk change, improving the end to end credit process on a continuous basis.
• Self-confidence and assertiveness in dealing with senior management in both Risk and Business.
• An ability to work under strict time pressures.

Preference will be given to candidates who hold Australian PR/Citizenship or New Zealand Citizenship, or who can demonstrate current unrestricted work rights in Australia without limitations.
We value different perspectives, we succeed together, collaborating across boundaries, we take responsibility, holding ourselves accountable to get things done. Through these values, HSBC is committed to building a culture where all employees are appreciated and respected and where opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow in an inclusive environment. Applications from First Nations peoples are encouraged.
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 Australia Limited. Please note that HSBC will we never communicate to applicants via non HSBC channels such as SMS, WhatsApp or Facebook so please be careful if anyone attempts to contact you via these channels.

Key responsibilities will include:

• Assess and decision corporate credit proposals for annual review, new money, amendment etc. within Credit Approval Authority (‘CAA’).
• Shape credit appetite by providing expert credit guidance at a transactional and portfolio level. Foster sound asset quality and a conservative credit culture throughout the lending activities of the HSBC in Australia (the ‘Bank’).
• Escalate credit concerns in a prompt and appropriate manner. Contribute to Worry, Watch, Monitor forums, sector reviews and other credit risk governance forums.
• Support growth and other strategic priorities of the Bank. Promote an efficient and commercial credit approval process that is responsive to customer needs.
• Ensure adherence to credit risk management framework, policies and procedures as well as regulator rules and guidelines.
• Develop subject matter expertise in sector, product or other SME area relevant to AUH WCR coverage.
• Assist in building team engagement and effectiveness – with the provision of effective coaching, mentoring and assistance as required

To be successful in the role you will need:

• Degree in Finance, Economics or Business Administration.
• Significant proven experience in corporate credit analysis and related risk management across a broad range of industries.
• In-depth analytical skills, with a strong commercial orientation and focus on credit quality.
• Strong analytical, planning, self-awareness, problem-solving, financial and technical skills.
• The ability to work autonomously and in a team.
• Strong stakeholder management skills and the ability to work effectively with Asia Pacific Risk and the business.
• Key involvement in setting of and ensuring alignment with industry risk appetite.
• Ability to drive cultural risk change, improving the end to end credit process on a continuous basis.
• Self-confidence and assertiveness in dealing with senior management in both Risk and Business.
• An ability to work under strict time pressures