Job Description

Job descriptionSome careers have more impact than others.If youre looking for a career where you can make a real impression, join HSBC and discover how valued youll be.HSBC is one of the largest banking and financial services organisations in the world, with operations in 62 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions.We are currently seeking an experienced professional to join our team in the role of Vice President - Wholesale Credit Review UnitBusiness: Risk & CompliancePrincipal responsibilities

• Deliver timely, well-reasoned, informed, and clear credit review summaries. All reports must be delivered with professionalism and empathy, earning the respect of the business and adding value where appropriate. As part of the review, the WCRU team will validate adherence to HSBC Groups lending policies, guidance and regulatory standards and practices,
• Maintain effective working relationships with the Senior Risk Stakeholders as well as Relationship Managers and Lending Executives across the reviewable entities by delivering value added service and establish rapport and credibility.
• As a senior member of the function, enable continuous improvement, streamlining and efficiency in the existing processes.
• Ensure quality of work, for both self and the team, adherence to workflow TATs and submission of Mis where necessary.
• Deputy for the Regional Head/Team Head as and when required.
• Assume responsibility for recruitment, training and mentoring of newer members of the team on a continued basis.
• Drive a high-performance culture within the team by displaying high quality and engagement levels and ensure business continuity and stability.
• Participate in the local management and site activities.

• Individuals with 15+ years of relevant experience in various facets of Commercial credit risk, lending and credit analysis, Loan Review, Loan workout, Audit etc.
• Academics - Bachelors degree+. Candidates with MBA-Finance or equivalent/ CA/ ICWA/ CS/ CAIIB preferred.
• Strong analytical (credit / financial) and problem-solving skills with ability to quickly process data & facts to arrive at meaningful conclusions. Ability to exercise discretion, work independently within broad guidelines, tactfully handle sensitive and confidential data, deliver high quality results within tight timeframes, manage multiple projects simultaneously and motivate and develop a professional staff.
• In-depth understanding of various credit products viz. - term loans, working capital, trade facilities, bank guarantees, interest rate swaps, etc. and associated credits risks.
• Sound knowledge of accounting principles and practices.
• Proficient in Excel/Advanced Excel, proficient in software packages, preferred.
• Excellent verbal & written English communication skills.
• In-depth understanding of the business, risks and related controls within areas of responsibility.
• The complexity of analysis and decision-making requirement for the job holder is high in view of the diversified nature of the Groups portfolio.
• The job holder should be confident in dealing with Senior Stakeholders within Risk and Business and could convince, negotiate and get their buy-in, but at the same time add value to the overall risk management process of the bank.

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