Senior Credit Advisor - Private Bank UK

HSBC; Greater London; On-site; GBP 75,000 - 95,000; Full time

Job summary

A leading banking institution in London is seeking a Senior Credit Advisor to support Relationship Managers in structuring complex lending solutions for High Net Worth clients. Candidates should have extensive experience in private banking, strong analytical and risk management skills, and a proven ability to meet deadlines. This role offers competitive pay and benefits, including private healthcare and a contributory pension scheme.

Benefits

Private healthcare

Enhanced maternity and adoption pay

Contributory pension scheme

Qualifications

• Extensive experience in structuring complex lending products for High Net Worth clients.
• Private Banking or Wealth Management experience is essential.
• Strong analytical, portfolio management, and risk management skills.
• Proven ability to meet deadlines in line with internal stakeholder and client expectations.

Responsibilities

• Identify, structure, negotiate and underwrite new credit opportunities.
• Review credit limits and monitor collateral.
• Work on lending solutions such as residential mortgages.
• Build internal and external networks to increase quality referrals.
• Maintain a thorough understanding of aggregate risks within the portfolio.

Skills

Extensive experience in structuring complex lending products

Private Banking or Wealth Management experience

Strong analytical skills

Portfolio management skills

Risk management skills

Ability to meet deadlines

Tools

CARM

Avaloq

Temenos

Job description

If you’re looking for a career where you can make a real impression, join HSBC and discover how valued you’ll be.

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 professional to join our team in the role of Senior Credit Advisor. In this client facing role, you will support a team of Relationship Managers (RMs) in structuring complex lending solutions for HNW & UHNW clients.

As an HSBC employee in the UK, you will have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK‑based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution.

In this role you will:

• Identify, structure, negotiate and underwrite new credit opportunities as well as manage existing client lending portfolios which will include developing appropriate recommendations for credit approval, ensuring compliance with documented covenants and financial reporting requirements.
• Review credit limits and monitor collateral while balancing the portfolio's risk return.
• Work on lending solutions such as residential mortgages, lending against financial assets (Lombard) and bespoke lending solutions.
• Proactively build internal and external networks with RMs, other internal departments and clients on an ongoing basis to increase quality referrals and new business.
• Maintain a thorough understanding of the content and aggregate risks within your assigned portfolio of clients as well as monitoring trends.

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

• Extensive experience in structuring complex lending products (Lombard) for High Net Worth clients - essential
• Private Banking or Wealth Management experience - essential
• Strong analytical, portfolio management and risk management skills - essential
• A proven ability to meet deadlines in line with internal stakeholder and client expectations - essential
• Working knowledge of lending platforms such as CARM and core banking platforms such as Avaloq or Temenos - desirable

This role is based in London.

Opening up a world of opportunity

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.

Ifyouhaveaneedthatrequiresaccommodationsor changes duringtherecruitmentprocess, please get in touch with our Recruitment Helpdesk: