Business Credit Officer - SMEs

Role Purpose

The role-holder will proactively support Relationship Managers enabling them to deliver best in class service to existing and prospective customers.  The role-holder will provide extensive support and is accountable for oversight and hands-on delivery of various activities including.

Impact on the Business/Function

• Pipeline, sales activity and customer service management,
• End-to-end credit application process including, preparation of credit applications based on thorough analysis of the financial reports, research and other data sources / market intelligence,
• Supporting RMs on credit related operations,
• Facilitating timely execution of facility offer letters and draw downs,
• Liaising with onshore/offshore credit, service delivery and product support teams,
• Managing customer interaction on perfection of securities, mandate documentation.
• Periodic and ad hoc reporting and project specific activities,
• Conduct research, analysis, and account conduct reviews.
• Client interaction on operational matters, complaints resolution, etc.
• Completion of monthly missing securities, restricted approvals, exceptions reports and BRC relating reports
• Completion of daily exception/Repx reports for all accounts  

Duties & Responsibilities

• Accountable for delivery of exceptional customer experience both for existing and prospective customers across credit risk and client management disciplines through the Client Management Office. 
• Keeping up-to-date knowledge of HSBC’s capabilities, specifically the full spectrum of commercial banking products, services and solutions offering.
• Keeping abreast of external factors influencing business e.g. economic, cultural, geographical, procedural and regulatory requirements. Deliver all relevant aspects of the annual operating plan including the revenue targets, with specific emphasis on recognition, monitoring and mitigation of both operational & credit risk
• Adopt and ensure fully effective utilization of all tools and systems provided by the bank to assist in risk management, service and sales delivery, avoiding any reliance upon manually created sales MI
• Identify and meet customer needs delivering outstanding levels of customer service
• Improve credit quality by minimizing impairments thus leading to higher shareholder returns
• Provide honest, constructive and timely feedback to staff to drive a high-performance culture.
• Ensure timely and reliable provision of defined support to Relationship Managers across credit risk and client management disciplines.
• Lead and manage high levels of constructive engagement with all relevant stakeholders,
• Improve customer satisfaction and engagement
• Deliver fair outcomes for our customers and ensure own conduct maintains the orderly

Major Challenges

• Operate effectively and efficiently under pressure and time constraints.
• Support RM in driving new Business of borrowing IMM & SMEs Clients whilst Manage and grow existing portfolio of customers
• Seeking to exceed customer expectations in delivery of products & services.
• Constantly evaluate customer banking practices and trends in the market with a focus on complex requirements of international and internationally aspirant customers and prospects. 

Role Context

The role-holder is responsible to ensure high levels of credit proposals quality and timely security documentation acting as a catalyst for delivery of expected contribution towards Annual Operating Plan and improved client engagement scores. 

The role holder is also responsible for consistent execution of controls for effective risk management from a legal, compliance, operational and reputational perspectives. The role holder will closely work with Relationship Managers on varied set of activities in essence maximizing the client facing time for latter. 

The role holder will operate within the Bank’s risk and operational guidelines and is responsible for ensuring that organizational standards are maintained and that the Banks policies and procedures are adhered to in order to mitigate risk. 

The role holder will also take responsibility for dealing with all aspects of clients’ renewal applications and working on ad hoc projects including (but not limited to): concern lists, sector analysis, client portfolios and others as required.

The role holder is also responsible on all aspects of risk analysis, monitoring and implementation of controls.

The role holder is accountable for functional delivery in accordance to all relevant HSBC’s policies, procedures and guidelines and will ensure their consistent application across the full suite of products and services offered to IMM & SMEs customers.  The role holder will achieve deliverables, both personally and through the team, in cognizance of the associated legal, compliance, regulatory and reputational risks and absolute efficacy of the control measures to eliminate/mitigate all such risks while optimally managing the positive customer experience.

Knowledge & Experience / Qualifications

• Approved Credit Course or relative certification is a must.
• Corporate banking background is preferable.
• Other courses relevant to the field
• Proven ability, with a successful record of accomplishment in risk management, operational and regulatory, credit analysis and judgmental lending
• Knowledge of the Commercial Banking market both globally and specifically relating to the local environment, including the competitive landscape, with a detailed knowledge of competitor propositions.
• Excellent analytical skills, with a strong emphasis on credit and operational risk
• Visible and motivational leadership, ability to influence others
• Excellent interpersonal skills, with a particular emphasis upon inspiring, influencing and negotiating in dealing with customers and colleagues
• Ability to effectively plan and organize, with tenacity to drive through results
• Minimum 2 years of experience