27 ene
Hsbc
Xico
.If you're looking for a career where you can make a real impression, join GSC HSBC and discover how valued you'll be.We are currently seeking an experienced professional to join our team in the role of**Wholesale Credit Risk Management Senior Manager****Role purpose**:Wholesale Credit Approval function is one of the activities within Wholesale Credit Risk Management [WCRM].
WCRM is responsible for formulating credit policies, systems and controls for the approval, management and control of wholesale credit exposures,
specifically including credit assessment & approval process; monitoring & control oflending and loss prevention & recovery procedures.The Offshore HBCA Approvals team supports HBCA WCRM and operates from 3 sites - GSC Hyderabad, GSC Kolkata and GSC Mexico.
The team performs credit approvals for relationships falling within HSBC Canada's CMB / BB portfolio.
The team is engaged in reviewing credit submissions, challenging the Relationship Manager's proposition where required and approving / recommending a lending position within delegated authority after suitably mitigating the Bank's risks.
**Main activities**:- Analyze new / existing counterparties in the Commercial Banking Segment of HBCA and approve / recommend a lending position within appropriate delegated credit authority.- Work independently on credit proposals to reach a solution in close and constructive collaboration with colleagues within WCRM CoE, WCRM HBCA and HBCA Commercial Banking Relationship teams.- Participate in credit / risk meetings with Front Office / HBCA WCRM colleagues.- Closely monitor risk events and be able to timely escalate to management.- Prepare for audit,
regulatory initiatives and internal projects pertaining to credit risk management.- Represent WCRM CoE in Shared Services and new Business initiatives where required.- Mentoring / coaching is an integral part of the role.
The role holder must proactively collaborate with VP & Team Lead, HBCA Approvals / HBCA stakeholders on work delivery and team management issues as appropriate.- Provide administrative support to VP & Team Lead, HBCA Approvals to manage operations e.G.
leave and work flow management, business contingency planning, access recertification, etc.- Flexibility to travel, if requiredRequirements**Knowledge & Experience**- Minimum 10-12 years of relevant experience in handling Large / Mid Corporate / SME Credit in a reputed Bank/ Financial Institution.- Strong understanding of credit lending products and financial statement analysis.- Strong analytical and technical skills,
with the ability to understand and consolidate diverse and intricate business information and identify and mitigate risk issues- Excellent communication with the capacity to lead discussion in credit approval forums, involving various senior stakeholders.- Customer centric mind-set.- Resilience to work under pressure to meet aggressive deadlines.- Established track record strongly preferred
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