Credit Manager

If youre looking for a career that will help you stand out join HSBC and fulfil your potential - whether you want a career that could take you to the top or an exciting new direction we offer opportunities support and rewards that will take you further.

Were one of the largest banking and financial services organisations in the world with a network that covers more than 50 countries and territories. We aim to be where the growth is enabling businesses to thrive and economies to prosper and ultimately helping people fulfil their hopes and realise their ambitions.

Were currently seeking an experienced professional to join our team in the role of Credit Manager Wholesale Credit Risk Management.

This role offers the opportunity to take on significant responsibility within HSBCs second line of defence evaluating and approving high-value lending proposals across CIB and select CMB clients (largely non-UK ring-fenced Bank clients). Youll act as a subject matter expert influencing policy process improvements and risk management both regionally and globally. The position provides exposure to senior management cross-functional collaboration and the chance to shape lending guidelines and risk appetite at industry and counterparty levels. Youll also play a pivotal role in supporting sustainable finance initiatives managing emerging risks and contributing to the ongoing development of the offshore team making this a dynamic impactful and highly visible position within the organisation.

As an HSBC employee in the UK youll have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees enhanced maternity and adoption pay and support when you return to work and a contributory pension scheme with a generous employer contribution.

In this role youll:

• Assess and approve credit transactions and annual reviews within your delegated authority and make well-structured recommendations for those exceeding your authority. Sector coverage will include amongst others Oil & Gas Metals & Mining Retail Consumer Brands and Chemicals.
• Conduct periodic portfolio reviews to identify trends concentration risks and problem exposures and undertake sector reviews to set and manage risk appetite and lending guidelines
• Coordinate with Group Risk Regional Wholesale Credit Risk Management origination teams and portfolio management to ensure timely and high-quality credit decisions and portfolio oversight
• Participate in working groups and projects to improve processes design policy streamline operations and enhance risk management including supporting the development of offshore teams
• Monitor emerging risks such as transition risk fraud risk and climate risk and implement enhanced risk controls when needed including updating appetite status and managing Watch Worry Monitor lists
• Collaborate alongside the Senior Manager to deliver professional risk management contribute to team succession planning talent management and employee engagement especially with offshore colleagues

To be successful in this role you should meet the following requirements:

• Demonstrable ability to evaluate and approve complex credit transactions and annual reviews as well as robust knowledge of CIB global business
• Experience conducting portfolio reviews identifying trends and risks and managing industry or counterparty risk appetite including setting lending guidelines and sector caps
• Proven track record of collaborating with a range of stakeholders such as origination teams portfolio management and risk functions to coordinate credit decisions and portfolio oversight
• Involvement in working groups or projects to improve processes design policy streamline operations or enhance risk management frameworks
• Experience in monitoring emerging risks (e.g. transition risk fraud risk climate risk) implementing enhanced controls and managing Watch Worry Monitor lists
• Ability to support team leadership succession planning and employee engagement particularly in a cross-border or offshore team environment

Opening up a world of opportunity.

Being open to different points of view is important for our business and the communities we serve. At HSBC were dedicated to creating diverse and inclusive workplaces. Our recruitment processes are accessible to everyone - no matter their gender ethnicity disability religion sexual orientation or age.

We take pride in being a Disability Confident Leader and will offer an interview to people with disabilities long term conditions or neurodivergent candidates who meet the minimum criteria for the role.

If youd like to apply for one of our roles and need adjustments made please get in touch with our Recruitment Helpdesk:

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Telephone: 44