Avp, Credit Approvals

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**Role Purpose**

To contribute towards building sound asset quality and a resilient credit culture at INM CMB by ensuring that the credit approval process is responsive to customer needs, and within HSBC’s prudent framework. The job also encompasses credit assessment for domestic & cross border project finance, capital market transactions, TRY driven business and new product plans CMB businesses, implementation of new projects undertaken by INM RISK. The job holder is also responsible for monitoring of early warning signals in the form of exceptions in account conduct, financials as well as other external data and taking/recommending appropriate steps.

Principal Accountabilities

**Impact on the Business**
- Promote strong asset quality
- Contribute to the growth of business and work to high levels of customer service standards
- Improve the quality of credit evaluation, and inject objectivity and consistency into the financial analysis.
- Protect the Bank from potential loss on the credit portfolio.
- Safeguard the Bank from regulatory strictures / penalties and potential loss.

**Customers / Stakeholders**
- Ensuring customer groups (primarily GBM and CMB) understand, accept & implement policies and thresholds & incorporate risk issues as integral to all activities
- Updating executive management of risk performance through RMC / related governance. Provide relevant MI reports/ad hoc reports to APH / Group Risk.
- Manage relationship with regulators, auditors, rating agencies, industry bodies, where necessary.

**Leadership & Teamwork**
- Work effectively with the Country Risk Team and in country business/functional teams.
- Ensure strong communication with counterparts in the region (both at APH and with other large HBAP sites)

**Operational Effectiveness & Control**
- Contribute to effective implementation of operational risk management with WMR, through formal governance and embedding the 3 Lines of Defence.
- Proactively review and challenge the 1LOD to assess the adequacy of risk management activities and fulfil Risk Steward responsibilities, as applicable from a WMR perspective
- Maintain HSBC internal control standards, implement and observe Group Compliance Policy and maintain awareness of operational risk and minimize the likelihood of it occurring

**Major Challenges**

The CMB business segments in INM is very large and profitable and given the book size and number of counterparties, moving quickly forward in the development of its lending book, including structured capital market instruments and complex project / acquisition finance opportunities. Externally, increased competition from other banks will test INM’ s capabilities to meet an increasing array of corporate requirements. The key challenges for the job holder will be:

- To manage counterparty credit approvals within aggressive timelines including obtaining approvals from APH / Group Risk where required.
- To understand the various product risks within wholesale banking and improve upon the reporting/monitoring of such risks by adoption of procedures that will reflect the exposure of the Bank to such risks.
- To function in a well-integrated manner with the CMB relationship management teams so as to be able to anticipate their future requirements and address workflow / knowledge development issues proactively
- To support the business growth for CMB business segment, which is one of the largest contributors to INM’s PBT and a critical business for achieving its growth objectives, by establishing a well-controlled risk environment which also is flexible enough to support rapid approval decision process and new product / initiatives development.

**Role Context**

HSBC Group’s organizational structure for risk management segregates risk assessment and the approval process from the line management, with a view to delegating higher levels of approval authorities to Risk units so that these units are more responsive to customer needs. INM Risk is required to provide an objective analysis of the individual credit and ensure that the lending is in consonance with the overall Group Strategy and Lending Guidelines. The Risk unit must ensure that its summary proposals reflect accurately and succinctly the underlying risk / reward issues and APH / Group Risk receive all necessary inputs for the approval process.

The jobholder is required to undertake counterparty credit approval and provide oversight on wholesale credit risk. The environment is characterized by change and development. Accordingly, the jobholder is expected to exercise a substantial degree of initiative and lateral thinking in order