Lead Risk Officer(Real Estate)

HSBC Global Services Limited; Birmingham; On-site; GBP 40,000 - 60,000; Full time

Job summary

Join HSBC in Birmingham as a credit risk evaluator, contributing to smart financial decision-making. You will play a crucial role by assessing credit proposals, safeguarding against risks, and supporting growth in the Social Housing sector. Bring your expertise in credit processes and strong communication skills to a leading company committed to diversity and inclusion.

Qualifications

• Experience in managing complex transactions and credit processes.
• Understanding of the economic landscape for risk identification.
• General knowledge of law, accounting, and regulatory requirements.

Responsibilities

• Evaluate, recommend, and approve transactions within approval authority.
• Ensure prudent credit proposals to reduce losses.
• Assess credit quality and manage portfolio risk profile.

Skills

Commercial credit skills

Communication skills

Management skills

Leadership skills

Analytical skills

Job description

Some careers open more doors than others.

If you’re looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.

Our Risk and Compliance function plays a critical role in supporting, challenging, and advising across all areas of the business through establishing policy, monitoring profiles, and identifying and managing forward-looking risk and compliance. We focus on creating an environment that encourages our people to speak up and do the right thing, as well as protecting our customers, the organization, and the integrity of the financial markets in which we operate. As an industry leader, we aim to continue setting standards and evolving to respond to strategic changes.

In this role, you will:

• Evaluate, recommend, and approve transactions and annual reviews within personal approval authority.
• Ensure prudent and well-structured credit proposals to reduce credit losses.
• Implement Risk credit policies, procedures, and standards.
• Assist the Senior Risk Officer by assessing the credit quality of the allocated portfolio; managing and improving the risk profile.
• Support the growth agenda within the Social Housing sector.

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

• Proven commercial credit skills with experience managing complex transactions and credit processes.
• Experience in Real Estate lending is preferred.
• A sound understanding of the economic landscape and the ability to identify and translate potential risks.
• General knowledge of law, accounting, and regulatory requirements.
• Strong communication skills—verbal and written—with the ability to simplify complex information.
• Management and leadership skills with experience liaising with senior stakeholders, especially when communicating credit risk findings.

This role is based in Birmingham.

We are committed to creating diverse and inclusive workplaces—no matter gender, ethnicity, disability, religion, sexual orientation, or age. We pride ourselves on being a Disability Confident Leader and will offer interviews to candidates with disabilities, long-term conditions, or neurodivergence who meet the minimum criteria.

If you require accommodations during the recruitment process, please contact our Recruitment Helpdesk at [e-mail] or call [phone] XXXX.