Director / Sr VP - Warehouse Finance (ABL/Securitisation)

HSBC Innovation Banking; Greater London; Hybrid; GBP 80,000 - 130,000; Full time

Job summary

HSBC Innovation Banking in London is seeking an experienced senior underwriter to lead the structuring, underwriting and closing of warehouse facilities for fintech clients across the UK and Europe. You will build cashflow models, perform collateral analysis and negotiate term sheets and legal documentation.

You will engage with clients, internal stakeholders and external partners to deliver robust deal structures while managing a growing portfolio and providing thought leadership on

Qualifications

• Proven ability to model cashflows and structure asset-backed facilities.
• Experience building cashflow models and collateral analysis.
• Strong command of legal documentation and deal structure.
• Skilled at structuring, negotiating and closing facilities.
• Ability to analyse large data sets and assess information quality.
• Sound judgment to balance client needs with bank risk.
• Background in structured finance from banks or rating agencies.
• Interest in technology sector and venture capital/private equity deals.
• Experience with early-stage fintech companies is a plus.

Responsibilities

• Lead structuring, underwriting and closing warehouse facilities.
• Coordinate with clients, internal teams and external counsel.
• Manage portfolio and respond to changing client situations.
• Oversee deal teams and share knowledge on structuring and closing.
• Develop client and investor relationships in fintech and alternative lending.
• Track asset types and industry trends to inform deal insights.

Skills

Financial modelling

Cashflow analysis

Asset-backed facilities

Credit underwriting

Legal documentation

Structuring & negotiation

Data interpretation

Quantitative analysis

Structured finance

Tech/Fintech interest

Early-stage fintech experience

Education

Bachelor’s degree

CFA or equivalent

Job description

Who is HSBC Innovation Banking?

HSBC Innovation Banking is the power behind the UK’s forward-thinkers, future-makers, and leap-takers, helping them ignite the bold ideas that reshape our world. We offer flexible banking solutions for start-ups, scale-ups, growth businesses, investors and those working towards IPO typically within the technology and life science sectors.

Whether it’s comprehensive banking, managing cashflow, plans for buyouts or Strategic Fund Solutions, we power ideas at every stage of their journey. From the first-time founders to the funds that back them, and everything in between. We’re proud to accelerate growth for our clients, create meaningful connections and communities, and open a world of global opportunity for entrepreneurs and investors alike.

Here’s to never standing still. Come and join us!

The Team You’ll Work With

Fantastic opportunity to join a growing business with multiple tailwinds, focus on technically rewarding transactions with the UK and Europe’s most exciting Fintech credit originators and other balance sheet intensive companies. Existing team has a broad spectrum of skills developed from experience working at IBs, rating agencies, specialist commercial banks and Fintech loan originators.

The Value You’ll Add

You will be responsible for underwriting and managing warehouse facilities for Fintech clients in the UK and Europe by leading key aspects of credit analysis, transaction structuring, term sheet / legal documentation negotiation, and obtaining credit support. You will be accountable for various activities such as data tape analysis, financial performance analysis and various due diligence processes to design and recommend deal structures that satisfy client needs whilst balancing the needs of the bank.

What You Can Expect To Be Doing

• Lead the structuring, underwriting and closing of warehouse facilities by supporting the creation of credit papers, cashflow modelling, collateral analysis, term sheets, financial models and deal structures
• Manage the end-to-end process including engaging with clients/prospects, internal stakeholders, (e.g. relationship management, credit, legal) and external stakeholders (e.g. external counsel, credit partners) to ensure successful outcomes
• Manage the existing portfolio of borrowers and communicate internally to recommend and execute on responses to changing situations for clients / across the portfolio broadly
• Manage/lead deal teams, comprising VPs and Associates from the team and provide oversight, knowledge share and guidance on structuring, underwriting, closing and portfolio management
• Build client and investor relationships in the Fintech and alternative lending sectors
• Develop, track and deliver insights into asset types, industry sectors and demonstrate thought leadership

Requirements

• Financial modelling and structuring asset backed facilities
• Highly skilled at building cashflow models and performing collateral analysis
• Highly competent with legal documentation
• Skilled at structuring, negotiating, closing structuring asset backed facilities
• Adept at working with large data pools to assess the quality and completeness of the information
• Exercise judgment and authority prudently and with proper balance for the best interests of the clients and HSBC Innovation Banking
• Quantitative Bachelor’s degree / CFA or equivalent education, or equivalent work experience specific to this role
• Structured finance experience from investment or commercial banks, specialised lenders, asset managers or rating agencies
• A keen interest in the technology sector and venture capital / private equity transactions
• Experience working with early-stage Fintech companies and startups is a positive

Where You’ll Be Based

Our home office in Finsbury Square, London. We offer hybrid working to our employees, so you can flex between home and the office, with a current requirement to be in the office 2 days per week.

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, socio-economic background 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.

If you have a need that requires accommodations or changes during the recruitment process, please get in touch with our Recruitment Helpdesk via [e-mail] .