Senior Manager IWPB Credit Risk

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HSBC is one of the largest banking and financial services organisations in the world, with operations in 64 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 individual to join the team in the role of Senior Manager, IWPB Credit Risk

This role is situated within the 2nd Line of Defense Credit Risk team for IWPB, in the Risk & Compliance Function, reporting into the Chief Risk & Compliance Officer. The role holder is responsible for the design and maintenance of policies and standards required to manage credit risks within the Group’s risk appetite and tolerances, oversee their effective implementation and objectively monitor and challenge the credit risk activities conducted by HSBC CIIoM.

As an HSBC employee in the Channel Islands and Isle of Man (CIIOM) you will have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare, enhanced parental and adoption pay and support when you return to work, and a non-contributory pension scheme with a generous employer contribution.

In this role, you will:

• For complex and high value lending, provide advice and guidance to the 1st Line of Defence, and approve transactions and annual reviews within personal approval authorities, making recommendations upwards for those outside, in a manner which safeguards the bank’s capital and reputation while contributing to its growth aspirations.
• Ensure the Credit Risk Function contributes to the development of the business, maintains a stable lending portfolio within Group policy objectives and maintains appropriate credit standards in the approval and control of  credit.
• Oversee the Credit Portfolio, utilising credit related MI, and produce relevant commentary/papers for the Credit Portfolio Committee and Risk Management Committees (local and Regional), as required.
• Drive strong improvements in analytics and MI to effectively monitor credit origination and performance and attend and contribute to ongoing governance committees and working groups, as required, including new product and proposition development, ensuring that all credit risks are considered and appropriately managed.
• Ensure Credit policy and procedures are maintained and are consistent with Group appetite ensuring appropriate policies and procedures are in place and communicated with other parts of the Bank as required.

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

• Proven background and in-depth knowledge of credit risk and lending, mortgage and/or credit card products is essential, with strong leadership, communication and negotiating skills
• Demonstrate credit skills, not only on a transaction basis but also credit process and portfolio management, with general knowledge of legal and regulatory requirements relating to the role
• A team player who has the confidence to challenge constructively with a detailed understanding of the sales standards required to meet regulatory expectations of the CIIoM Regulators and the HBEU lead Regulator, the Financial Conduct Authority.
• Understanding and experience of audit and regulatory risk management and the implementation of policies to mitigate and manage business / sales quality risks.
• Ability to tailor written and verbal information to varying audiences with strong analytic and judgmental skills sufficient to identify and resolve problems while maintaining time scales and quality of output.

The location for this role is, Jersey

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

Email: hsbc.recruitment@hsbc.com

Telephone: +44 207 832 8500.