Job Description

Job descriptionSome careers open more doors than others.If youre looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.Role Context We are seeking a detail-oriented and organized individual to join our Credit Documentation and Life Cycle Management Team. This role will involve managing the documentation process for credit facilities from inception to maturity and ongoing facility servicing. The ideal candidate will have a strong understanding of credit products, excellent communication skills, and the ability to collaborate effectively with internal and external stakeholders. The Credit Documentation & Life Cycle Management team (CDLM) will have a range of responsibilities overseeing the provision of post credit approval activities and supporting the credit life cycle management for CMB customers.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 Analyst 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 Analyst, you would be responsible for credit administration, collateral monitoring, and credit condition monitoring for clients.Principal ResponsibilitiesDocumentation Managementxc2xb7 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.xc2xb7 Ensure that all documentation complies with regulatory requirements and internal policies.xc2xb7 Ensure that up-to-date records of all documentation are maintained within Operations.Credit life cycle management xc2xb7 Monitor the ongoing compliance of credit facilities with established terms and conditions. xc2xb7 Coordinate amendments, extensions, and other modifications to credit documentation as necessary. xc2xb7 Track key milestones and dates related to credit facilities, such as approval conditions and covenant compliance. xc2xb7 Responsibility of RMT management (tool to manage security documentation and approval conditions) and covenant compliance. xc2xb7 Follow up for all post sanction documentation such a stock statement, UFCE, Insurance policies, end use certificates, PCB certificates, valuations etc. xc2xb7 Respond to any audit related, credit or customer queries pertaining to documentation, security, RMT management etc. xc2xb7 Responsible for timely completion of security perfectionRelationship Management xc2xb7 Serve as a primary point of contact for internal stakeholders, including relationship managers, credit analysts, and legal counsel. xc2xb7 Liaise with external parties, such as borrowers, valuers, auditors, and regulatory agencies, to facilitate the documentation process and resolve any issues. Risk Management xc2xb7 Identify potential risks and deficiencies in credit documentation, escalate issues as appropriate and track it for resolution. xc2xb7 Assist in conducting due diligence reviews and risk assessments as required from time to time Process Improvement xc2xb7 Continuously evaluate and improve documentation processes to enhance efficiency and accuracy. xc2xb7 Implement best practices and technology solutions to streamline workflows and reduce manual effort.Customers / Stakeholders:xc2xb7 Customersxc2xb7 Valuers/ Stock auditors/ Legal Auditorsxc2xb7 CMB (RMs, Business Heads, etc.)xc2xb7 WMRxc2xb7 Credit Servicesxc2xb7 Credit Analystsxc2xb7 WB COOOperational Effectiveness & Controlxc2xb7 Ensure all KPI related to credit administration, covenants and conditions of approval are metxc2xb7 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 GroupCompliance policy.xc2xb7 Maintain HSBC Internal Control standards, including the timely implementation of internal and external audit points together with any issues raised by external regulators.xc2xb7 Be aware of the Operational Risk scenario Analystd 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 updateRequirementsQualifications xc2xb7 Bachelors degree in commerce, Law, Finance, Business Administration, or related field. xc2xb7 3+ years of experience in credit documentation, credit monitoring or a related area within the financial services industry. xc2xb7 Strong knowledge of credit products, legal documentation requirements, and regulatory compliance. xc2xb7 Excellent analytical skills and attention to detail. xc2xb7 Effective communication and interpersonal skills. xc2xb7 Ability to manage multiple priorities and meet deadlines in a fast-paced environment. xc2xb7 Proficiency in Microsoft Office suite and document management systems. xc2xb7 Proven ability to prioritize competing demands. xc2xb7 Be change oriented and able to cope with pressure and tight deadlines.Fluent written and spoken EnglishUseful LinkLink to Careers Site: ClickYoull achieve more at HSBC.HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment.Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.Issued by The Hongkong and Shanghai Banking Corporation Limited, India

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