HSBC
Vice President, Senior Credit Manager
HSBC, Houston, Texas, United States, 77246
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.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. 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 papers, performing credit analysis, modeling projection and enterprise valuation analysis, coordinating with internal stakeholders (such as Credit Risk, 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.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.As our Vice President, Senior Credit Manager you will:Deliver the business strategy with strong knowledge of Commercial Banking (CMB) prioritiesBuild strategic and valued relationships with customers, applying knowledge to provide value-add advice and assistanceStrong collaboration internally to develop best-in-class experience and outcomes for our teams and employeesEffective and timely dialogue with all stakeholders across CMB, HSBC Group, and our clientsDeliver fair outcomes for our customers that do not disrupt the orderly and transparent operation of financial marketsRecommend ideas and contribute to implementing actions that will improve customer service, quality, and the way teams and individuals work togetherAdhere to HSBC policies, procedures, and control requirements and raise any concerns about actual or potential issues promptly, in line with reporting and escalation proceduresCompliance with all relevant financial services laws, rules and codes with adherence to all relevant procedures.
Maintain accurate and appropriate recordsMake informed decisions in accordance with the core principles of HSBC's Financial Crime Risk Appetite in adherence with Global Anti Money Laundering (AML), Sanctions, and Anti Bribery and Corruption (ABC) policiesResponsible for ensuring that operational risks are managed in accordance with the Group Standards Manual, Risk Finance and Insurance Management (FIM), Credit Policy Manual (CPM), and relevant guidelines and standardsEnsure 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 fashionFor this role, HSBC targets a pay range between $141,300.00 and $211,900.00.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
Youll likely have the following qualifications to succeed in this role:Ability to analyze situations effectively and make well-thought out decisionsProven leadership skills including coaching, motivation and communications skills to inspire othersStrong teamwork skills promoting an environment of co-operation and trust, overcoming resistance where encounteredStrong analytical and financial skillsExcellent prioritizing, organizational and time management abilitiesExcellent verbal and written communications skillsIn compliance with applicable laws, HSBC is committed to employing only those who are authorized to work in the U.S. Applicants must be legally authorized to work in the U.S. as HSBC will not engage in immigration sponsorship for this position.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 age, ancestry, color, race, national origin, ethnicity, disability or medical condition, genetic information, military or veteran service, religion, creed, sex, gender, pregnancy, childbirth, caregiver status, marital status, citizenship or immigration status, sexual orientation, gender identity or expression or any other trait protected by applicable law.
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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.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. 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 papers, performing credit analysis, modeling projection and enterprise valuation analysis, coordinating with internal stakeholders (such as Credit Risk, 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.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.As our Vice President, Senior Credit Manager you will:Deliver the business strategy with strong knowledge of Commercial Banking (CMB) prioritiesBuild strategic and valued relationships with customers, applying knowledge to provide value-add advice and assistanceStrong collaboration internally to develop best-in-class experience and outcomes for our teams and employeesEffective and timely dialogue with all stakeholders across CMB, HSBC Group, and our clientsDeliver fair outcomes for our customers that do not disrupt the orderly and transparent operation of financial marketsRecommend ideas and contribute to implementing actions that will improve customer service, quality, and the way teams and individuals work togetherAdhere to HSBC policies, procedures, and control requirements and raise any concerns about actual or potential issues promptly, in line with reporting and escalation proceduresCompliance with all relevant financial services laws, rules and codes with adherence to all relevant procedures.
Maintain accurate and appropriate recordsMake informed decisions in accordance with the core principles of HSBC's Financial Crime Risk Appetite in adherence with Global Anti Money Laundering (AML), Sanctions, and Anti Bribery and Corruption (ABC) policiesResponsible for ensuring that operational risks are managed in accordance with the Group Standards Manual, Risk Finance and Insurance Management (FIM), Credit Policy Manual (CPM), and relevant guidelines and standardsEnsure 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 fashionFor this role, HSBC targets a pay range between $141,300.00 and $211,900.00.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
Youll likely have the following qualifications to succeed in this role:Ability to analyze situations effectively and make well-thought out decisionsProven leadership skills including coaching, motivation and communications skills to inspire othersStrong teamwork skills promoting an environment of co-operation and trust, overcoming resistance where encounteredStrong analytical and financial skillsExcellent prioritizing, organizational and time management abilitiesExcellent verbal and written communications skillsIn compliance with applicable laws, HSBC is committed to employing only those who are authorized to work in the U.S. Applicants must be legally authorized to work in the U.S. as HSBC will not engage in immigration sponsorship for this position.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 age, ancestry, color, race, national origin, ethnicity, disability or medical condition, genetic information, military or veteran service, religion, creed, sex, gender, pregnancy, childbirth, caregiver status, marital status, citizenship or immigration status, sexual orientation, gender identity or expression or any other trait protected by applicable law.
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