Associate Director

HSBC; Reading; Hybrid; GBP 60,000 - 90,000; Full time

Job summary

A leading banking institution is looking for an Associate Director in Reading. This role supports Relationship Directors in managing client relationships within the Mid-Market Enterprise team. Candidates should have experience in Commercial Banking, strong financial analysis skills, and the ability to provide excellent customer service. The position operates in a hybrid model requiring some travel. Join a team dedicated to providing solutions and fostering client engagement with a focus on inclusivity.

Benefits

CV and Interview workshops

Inclusive workplace policies

Hybrid working model

Qualifications

• Experience in Commercial Banking is essential.
• Strong knowledge of financial data interpretation.
• Proven customer needs assessment capabilities.

Responsibilities

• Support Relationship Directors in managing client relationships.
• Monitor credit risk and prepare necessary analysis.
• Act as a focal point for any risk issues during absence of RD.

Skills

Commercial Banking experience

Financial data analysis

Customer service skills

Verbal communication

Written communication

Time management

Tools

Microsoft Office

CARM

Browser Main Menu

DPC

HORIS

OMNIA

Job description

If you’re looking to take an exciting new direction with your HSBC career, an internal move can open the door to many opportunities, allowing you to take on a new challenge, and develop your skills. Bring your knowledge of our brand to a new role and grow yourself further.

The role of the Mid-Market Enterprise team is to engage with our existing and prospective customers to help them realise their ambitions. They key aim is to provide solutions and services to our customers with a turnover of between 15M and 350M, where you will also be responsible for customer service excellence to our existing and prospective customers.

We are currently seeking an organised and experienced individual to join this team in the role of Associate Director.

The Associate Director role assists Relationship Directors (RDs) in building affiliations by identifying and meeting existing and prospective customer needs. This role is responsible for identifying product and service opportunities, carrying out customer research, financial and credit analysis and helping the RD prepare for customer meetings. Other fundamental parts of the role include co‑ordination of credit applications or renewals and risk escalation management. In the absence of the RD, the role holder will act as the focal point for the relationship, products, and services.

In this role you will:

• Provide support to the Relationship Directors (RDs) to enable them to optimise the potential value of client relationships, improve client engagement and deliver needs‑based solutions and fair outcomes for customers.
• Enable proactive client management by attending client meetings with the RD as necessary and acting as the first point of contact for customers on daily credit‑related enquiries.
• Participate in deal discussions with clients alongside the RD to acquire an understanding of the relationship and facilitate the management of complex local/international credit cases.
• Prepare appropriate analysis, proposals, and presentations to prospective customers.
• Support the RD in coordinating with product partners and ensuring data and call reports are accurately and updated in a timely fashion.
• Monitor credit risk including concern lists and credit control reports and analyse management information.
• Global Standards and Anti‑Money Laundering & Sanctions alerts, and act as a focal point for risk issue response.
• Undertake financial, credit and profitability analysis and prepare CARM remarks.
• Support the RD with transaction related third party liaison, including discussions with external lawyers and professional valuers.

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

• Experience working in relevant environment/s, i.e. Commercial Banking (CMB) is essential.
• Strong working knowledge of remarks preparation, interpreting financial data and deal completion is essential.
• A strong understanding of the Bank’s systems including Browser Main Menu, CARM, DPC, HORIS, OMNIA, Document View and Microsoft packages would be advantageous.
• A track record of gaining an understanding of customers' needs and delivering excellent customer service is important.
• Strong verbal and written communication skills with experience of adapting your style and approach to the audience is a prerequisite.
• Experience of planning and prioritising your own time effectively and adhering to strict deadlines is a must.
• A comprehensive understanding of the regulatory frameworks and compliance requirements associated with financial services and experience of working within these would be advantageous.

We operate a hybrid working model and the base location for this role is flexible between Reading and Southampton. The role involves an element of travel on a frequent basis, so the applicant must be within a commutable distance these locations and the South of the UK.

To support you with putting your best foot forward for our internal opportunities, you are invited to take advantage of our CV and Interview workshops, hosted by our Talent Acquisition team. To find out more and register to attend please click on this.

Being open to different points of view is important for our business and the communities we serve. At HSBC, we’re dedicated to creating diverse and inclusive workplaces - no matter their gender, ethnicity, disability, religion, sexual orientation, or age. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible for everyone to be at their best. 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.

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