Credit Officer

6 months ago

Hyderabad, India HSBC Full time

-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 is one of the largest banking and financial services organisations in the world, with operations in 62 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions.

We are currently seeking an experienced professional to join our team in the role of -Credit Officer - Underwriting Services

**Principal responsibilities**

**Impact on the Business**
- To contribute to the credit approval and verification process for mortgage and unsecured lending.
- To contribute to the profitability of the HSBC Group and minimize losses.
- 90% - By providing fast, concise, well-reasoned approvals / recommendations

**Typical Targets and Measure**
- Ensuring that when reviewing proposals, they meet the HSBC Group’s risk appetite, the risk is minimized, and returns maximized. > Receive or make calls from or to customers (internal & external).
- Use Call model effectively and work within UWS CC Framework

**Customers / Stakeholders**
- To continually consider the FCA’s principle of ‘Treating Customers Fairly’ (TCF).
- To contribute to the profitability of the HSBC Group and minimize losses
- 10% - By considering fairness in all aspects of strategy, product design & delivery, sales processes, customer literature & correspondence, financial promotions, administration & complaint handling.

**Typical Targets and Measures**
- Ensuring that when reviewing proposals, they meet the HSBC Group’s risk appetite, the risk is minimized, and returns maximized
- Provide service to customers by focusing on resolving requests efficiently, accurately, and professionally.
- Delight internal and external customers.

**Leadership & Teamwork**
- To act with courageous integrity
- Adhere to HSBC Values and Business Principles and Behaviors.
- Establish and maintain a culture under which all staff are able to develop their skills and experience.
- By being dependable and do the right thing. Open to different ideas and cultures. Connected to customers, communities, regulators, and each other.

**Typical Targets and Measures**
- Communicates openly, honestly, and transparently. Encourage openness in others. Listen carefully to others whilst showing empathy.
- Is inclusive of all backgrounds and perspectives. Treats others fairly and with respect. Takes time and effort to develop self and others; learns from mistakes and actively collaborates with other teams to deliver what is right for our customers.

**Process**
- Ensuring adherence to the PLA Metrics
- Ensuring adherence to the Bank’s credit policies & guidelines
- Achieve and exceed relevant process targets in line with business objectives
- Acquire and update knowledge on the process, procedures, and products on an ongoing basis
- Exhibit ownership of the business
- Produce MI as required

**Typical Targets and Measures**
- Instructions/requests to be correctly interpreted, understood, and implemented.
- Ensure that the process related procedures are implemented as per the process manuals.
- All data requirements (timesheets, leave requests, absence requests and ad-hoc process information) are completed and updated in a timely manner.
- To maintain HSBC internal and
- external control standards, including the timely implementation of internal and external audit points together with any issues raised by external regulators.
- Ensure that fraud/errors/irregular transactions (if any) are identified and escalated.
- Proactively identify issues, if any, and escalate.

**People**
- Self-learning & development
- Sharing knowledge with the team members

**Typical Targets and Measures**
- Support achievement of team objectives
- Contribute to the creation of a supportive work environment driven by people centric values
- Work well independently; complete assigned tasks in the established timeframe as per the process benchmarks.

**Operational Effectiveness & Control**
- To continually reassess the operational risks associated with the role and inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings, and the impact of new technology.
- In conjunction with Compliance department, to implement the Group Compliance Policy by containing compliance risk in conjunction with the relevant compliance department. The term ‘compliance’ embraces all relevant financial services laws, rules and codes with which the business has to comply.
- To adhere to and be to demonstrate adherence to internal controls.

**Typical Targets and Measures**
- By ensuring all actions take account of the likelihood of operational risk occurring.
- By addressing any areas of concer

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