Associate Credit Documentation

3 weeks ago

Mumbai, India HSBC Full time

Some careers open more doors than others.

If you’re looking to unlock new job opportunities, take a look at the possibilities right on your doorstep here at HSBC.

Role Context

The Credit Documentation & Life Cycle Management team (CDLM) has a range of responsibilities overseeing the provision of post credit approval activities and supporting the credit life cycle management for CMB customers. The credit documentation team lead is responsible for overseeing and managing credit documentation process for CMB. This role involves leading a team of credit document analyst, ensuring accurate and timely completion of credit documentation, and maintaining compliance with regulatory requirements, internal policies and KPIs. Apart from managing the team you would also be individual contributor. As an individual contribution this role involve managing the documentation process for credit facilities from inception to maturity and ongoing facility servicing. We are seeking a detailed-oriented individual with technical expertise and problem-solving skills to join our credit documentation and life cycle management team. Job Introduction CDLM team would work closely with Relationship Managers of CMB to fulfil all post approval credit requirements for CMB borrowing customers. Credit Life Cycle Associate would be responsible to engage with the clients, check condition precedent, negotiate the documentation, complete documentation execution, arrange for documentation endorsements and ensure that credit limits are made available to clients. As an Associate, you would be responsible for credit administration, collateral monitoring, and credit condition monitoring for clients. Along with individual deliverables, you would be managing team of Credit Life Cycle Associate and would be ensuring credit KPIs are always met. Principal Responsibilities

Team Leadership

Lead, mentor and coach a team of credit documentation analysts Assign tasks, set priorities and monitor the performance of team members to ensure timely completion of tasks Conduct regular 52912927 performance reviews and provide feedback to team members to support their professional development.

Documentation Management

Review, negotiate and coordinate the execution of credit documentation, including loan agreements, security documents, and other legal contracts related to credit facilities extended to our clients. Ensure that all documentation complies with regulatory requirements and internal policies. Ensure that up-to-date records of all documentation are maintained within Operations.

Credit life cycle management

Monitor the ongoing compliance of credit facilities with established terms and conditions. Coordinate amendments, extensions, and other modifications to credit documentation as necessary. Track key milestones and dates related to credit facilities, such as approval conditions and covenant compliance. Responsibility of RMT management (tool to manage security documentation and approval conditions) and covenant compliance. Follow up for all post sanction documentation such a stock statement, UFCE, Insurance policies, end use certificates, PCB certificates, valuations etc. Respond to any audit related, credit or customer queries pertaining to documentation, security, RMT management etc. Responsible for timely completion of security perfection

Relationship Management

Serve as a primary point of contact for internal stakeholders, including relationship managers, credit analysts, and legal counsel. Liaise with external parties, such as borrowers, valuers, auditors, and regulatory agencies, to facilitate the documentation process and resolve any issues. Risk Management Identify potential risks and deficiencies in credit documentation, escalate issues as appropriate and track it for resolution. Assist in conducting due diligence reviews and risk assessments as required from time to time Process Improvement Continuously evaluate and improve documentation processes to enhance efficiency and accuracy. Implement best practices and technology solutions to streamline workflows and reduce manual effort.

Customers / Stakeholders:

Customers Valuers/ Stock auditors/ Legal Auditors CMB (RMs, Business Heads, etc.) WMR Credit Services Credit Analysts WB COO

Operational Effectiveness & Control

Ensure all KPI related to credit administration, covenants and conditions of approval are met Understand, follow and demonstrate compliance with all relevant internal and external rules, regulations and procedures that apply to the conduct of the business in which you are involved, specifically Internal Controls and any Compliance policy including, inter alia, the Group

Compliance policy. 

Maintain HSBC Internal Control standards, including the timely implementation of internal and external audit points together with any issues raised by external regulators. Be aware of the Operational Risk scenario associated with the role and act in a manner that takes account of operational risk considerations. Maintain oversight of post approval credit process by collaborating effectively with teams involved in documentation, limit maintenance or system update Requirements Bachelor’s degree in commerce, Law, Finance, Business Administration, or CA or CS related field. 5 + years of experience in credit documentation, credit monitoring or a related area within the financial services industry. Strong knowledge of credit products, legal documentation requirements, and regulatory compliance. Excellent leadership, communication and interpersonal skills, with the ability to effectively collaborate with cross functional teams. Ability to manage multiple priorities and meet deadlines in a fast-paced environment. Proficiency in Microsoft Office suite and document management systems. Proven ability to prioritize competing demands. Be change oriented and able to cope with pressure and tight deadlines. Fluent written and spoken English

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