Vice President/Assistant Vice President Credit Manager
Credit Management provides front line credit and risk ownership including writing credit papers, performing credit analysis, modeling projection and enterprise valuation analysis, coordinating with internal partners (such as Credit Risk, relationship managers, global partners, and product teams), client engagement on credit risk and structuring, and delivering sound recommendations based on robust business, relationship, and industry analysis using experienced judgment and conforming with internal credit policies/guidelines and external regulatory requirements.
- Cover a diverse portfolio of U.S. headquartered clients in Corporates (revenues $50 million+) and Global Banking (revenues $5 billion+), consisting of both Investment Grade and High Yield names with concentration in certain sectors i.e. TMT, Healthcare.
- Proactively monitor ongoing credit quality of assigned portfolio and its industry, including preparing Annual and Quarterly Reviews and tracking and testing covenants.
- Develop and maintain a collaborative working relationship with supported front line business units and credit approval unit (CAU)
- Lead the underwriting process on syndicated and bilateral deals, in conjunction with collaborating with various partners, including junior bankers, Internal Legal/Compliance to complete the process from start to end.
- Provide in-depth analysis of credit including loan structure, applicant’s business and industry profile, historical financial performance, cash flow projections, EV and peer analysis
- Recommend appropriate risk rating for each customer/transaction as required
- Mentor credit analysts on effective underwriting and communication skills
- Build a solid understanding of HSBC products and services within Commercial Banking and the broader organization.
- Assist with credit reviews, Internal Audits, Regulatory Liaison office as applicable
- Proven track record to remain current on all required training classes, including credit policy certification
For this role, HSBC targets a fixed pay range between $87,900 and $131,800.
The final fixed pay offer will depend on the candidate and a number of variables, including but not limited to, role responsibilities, skill set, depth of experience and education, licensing/certification requirements, internal relativity, and specific work location.
At HSBC, our overall goal is to provide a competitive Total Reward Package, with an appropriate mix of fixed pay, and variable pay, as part of an employee’s overall total compensation and benefits. Variable pay generally takes the form of discretionary, annual awards (sometimes referred to as a “bonus”). Additionally, HSBC offers a wide range of competitive and flexible benefits designed to help you improve your health and well-being, finances, and lifestyle.