Senior Credit Manager International Subsidiary Banking HSBC

HSBC is currently seeking an ambitious individual for the job role of Senior Credit Manager to join their Commercial Banking team, working together with colleagues to define, manage and achieve divisional business targets. This vacancy was announced by the company on January 26, 2024 and is open to receive applications.

Responsibilities of Senior Credit Manager

• Manage end to end credit application process including preparation of credit applications based on thorough analysis of the financial reports, research and other data sources / market intelligence.
• Be responsible to assist RM and deliver on CDD related process for respective portfolio.
• Closely work with the RM to increase revenues from existing and new to bank clients.
• Structure appropriate credit facilities for the customer.
• Maintain a proactive and appropriate calling programme to service clients.
• Adopt and ensure fully effective utilization of all tools and systems provided by the bank to assist in service and sales delivery
• Keep abreast of external factors influencing international business e.g. economic, cultural, geographical, procedural and regulatory requirements.
• In discussion with RM, develop effective strategies to manage customer relationships, anticipate customer needs and provide a superior quality service to position HSBC as the market leader in this segment.
• Assist RM to ensure timely and accurate maintenance of customer information, including Know your Customer (KYC) requirements, in Group systems.
• Establish an effective working relationship with Risk Management teams, in order to validate the accuracy of the customer risk profile, and ensure sustainable asset growth.
• Monitor and manage robust controls in order to ensure credit risk and other risks are adequately mitigated and appropriate timely action taken to minimize losses to the Bank.
• Keep abreast with sustainability and assist RM to identify, lead and deliver sustainability solutions supporting clients in their transition journey.

Requirements of Senior Credit Manager

• Graduation degree is a must to secure a UAE Visa and Work Permit.
• 5-6 years of experience in similar role.
• Strong Credit Management experience, working as a credit manager covering local coverage and ISB clients with end to end execution on new money proposals.
• Experience covering the KSA market and dealing with SAB is highly desirable.

Skills and Knowledge Desired

• Proven ability, with a successful record of accomplishment in risk management, operational and regulatory, credit analysis and judgmental lending.
• Extensive product knowledge of Commercial Banking and Global Banking & Markets.
• Honed analytical skills, with a strong emphasis on credit and operational risk.
• Visible and motivational leadership, ability to influence others.
• Excellent interpersonal skills, with a particular emphasis upon inspiring, influencing and negotiating in dealing with customers and colleagues.
• Ability to effectively plan and organize, with tenacity to drive through results.
• Innovative with a flair for solving problems.
• Ability to take ownership and lead discussions with internal and external stakeholders including, negotiations with risk, Portfolio Management and preparation of DPC’s.
• Commercial acumen.

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