Avp - Credit Advisory Gsc's

**Some Careers grow faster 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 64 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 **AVP Credit Advisory**

**Why join us?**

The Credit Advisory team establishes and promotes the market view for HSBC Private Banking and Wealth, one of the top 3 wealth managers in the world. As a credit advisor, you will work with a very knowledgeable, innovative and dynamic team on topics in various lending products, such as Lombard lending, mortgages and bespoke lending. We are a relatively small but agile team; in which you will have a very direct impact.

**The Opportunity**:
Opportunity to work in a global, fast growing team, contributing to a significant amount of revenue for the Bank with a strong reputation. The lending business is constantly growing and extending its offering to the Wealth customer on top of their HNW and UHNW customers. AVP - Credit Advisory is a non-client facing role.

**What you’ll do**:
**Responsibilities**:

- Monitoring the existing credit facilities, ensuring compliance with approval conditions, documented covenants and financial reporting requirements on a daily basis
- Preparing and providing support in the preparation of annual reviews of credit facilities, reporting activities for Credit Advisory and other PB departments
- Ensuring implementation and control of approved credit facilities in the systems
- Collaborating with Credit Advisory on ad hoc queries
- Handle enquiries, provide support to business (Credit Advisory) and provide suitable solutions to ensure the performance of credit facilities
- Implement approval terms in the systems
- Maintains a thorough understanding of the content and aggregate risks within an assigned collateral, trends and other KRIs
- Provide good support at all times to both Credit Advisory and other internal clients
- Proactively identify gaps and report any irregularity to relevant stakeholder
- Adherence to all regulatory and HSBC Group controls in line with published guidelines
- Demonstrate expected core behaviors and values including teamwork, focus, drive and determination
- Actively work to maintain and improve the credit portfolio quality and prevent loss
- Change debt structure/risk ratings in response to changes in risk
- Stays abreast of industry trends
- Monitoring the adherence to published guidelines including the implementation of any changes in GPB Credit risk appetite
- Establish and maintain an excellent working relationship with Credit Advisors and colleagues across the Group. Liaise with internal clients to ensure that their expectations are met in a timely manner and understood
- Monitor and manage portfolio risk and meet the KRI standards
- Ability to quickly assess and understand changes in client strategy, risk exposure, Group’s guidelines as well as industry and competitor dynamics vis-à-vis credit products and solution
- Is aware of the Operational Risk scenario associated with the role and acts in a manner that takes account of operational risk considerations

Requirements

**What you will need to succeed in the role**:

- University degree in a relevant business discipline (e.g. Economics or a related field), ideally with a minimum of three years of working experience. (M)
- Strong knowledge of Credit Advisory as well as the GPB Business. (E)
- Good sense of judgment along with strong planning, organization, project and time management skills, as well as a customer-centric mindset and strong attention to detail. (E)
- Analytical analysis, Process automation experience. Required knowledge of technical skills: R-Studio, Python, etc.(E)
- Motivated with agility and creativity; able to work independently and efficiently, and manage multiple items simultaneously under tight timeframes. (E)
- Strong quantitative skills, that can be translated to into MS Excel and Power point. Previous experience of financial data software such as Bloomberg. (M)
- Good interpersonal skills and being able to collaborated effectively with internal stakeholders. (D)
- Excellent communication and writing skills; proficiency in English is required. (M)

**Index**: Mandatory (M) / Essential (E) / Desirable (D)

**You’ll achieve more at HSBC**

**Issued By **HSBC Electronic Data Processing (India) Private LTD**
- **_ The information contained in this job description is a true and accurate reflection of the job as specified._