Business Credit Officer and Team Lead

HSBC; Singapore; On-site; SGD 80,000 - 110,000; Full time

Job summary

A leading banking institution in Singapore is seeking a Business Credit Officer and Team Lead responsible for overseeing the credit management process and ensuring exemplary risk management. This role requires strong relationship management, communication skills, and a strategic mindset to meet client needs and drive improvements in team productivity. The ideal candidate will have a Chartered Accountant or relevant master's degree and experience in Investment Banking.

Benefits

Flexible working opportunities

Professional development

Inclusive and diverse environment

Qualifications

• Experience in credit analysis and credit approvals.
• Strong knowledge of Investment Banking.
• Excellent verbal and written communication skills.

Responsibilities

• Lead and manage the end-to-end credit management process.
• Drive improvements in productivity and client experience.
• Engage with clients to ensure optimal outcomes.

Skills

Credit analysis

Relationship management

Stakeholder management

Communication skills

Analytical mindset

Education

Chartered Accountant or Master's in Business/Finance/Economics

Job description

We are currently seeking a high calibre professional to join our team as a Business Credit Officer and Team Lead

Role Purpose

Credit & Capital Management (CCM) team under CIB are implementing a new, modern, and consistent E2E operating model, of which a key component is the introduction of a first line credit management office (the Business Credit Office.) The BCO function will complete tasks including structuring, credit analysis and rating recommendation, client credit monitoring tasks, credit terms and docs negotiation with WCMR and clients acting as a single handoff from a RM to the BCO for all CCM tasks, creating a single control point.

The Associate Director, BCO will be responsible for ensuring exemplary risk management acumen and control standards are embedded within the end-to-end CCM process. In discharging their duties, the role holder must implement a common, reliable, and predictable underwriting and lending process, that protects the business from exposure, whilst responding to clients borrowing needs. The role holder will report directly to the Country/Market Head of BCO/Head of BCO offshore and will work closely with the Coverage and Transaction Support teams to ensure seamless customer experience and consistency of service globally.

The role holder must be a strategic thinker with an innovation driven mindset an effective collaborator and skilled stakeholder manager, successfully navigating complex landscape to deliver exceptional outcomes for our customers and stakeholders.

In this role you will

• Lead and manage the end-to-end CCM journey, ensuring a seamless and efficient process for customers and internal stakeholders.
• BCO Regional Heads, WMR and other key stakeholders where necessary in order to ensure successful completion of key Optimization and Transformation initiatives
• Continuously drive improvement in productivity of the BCO team whilst enhancing client experience.
• Drive adoption of technology/digital and customer experience improvement initiatives, including alignment to a globally consistent C&L operating model.
• Monitor and analyze customer and stakeholder feedback, identifying key areas of focus to improve customer outcomes.
• Closely work with the senior management team and Regional Sustainability Champions to drive various activities as part of the Group's transition to Net Zero along with implementing various strategic initiatives across BCO teams.
• Drive continuous improvement initiatives across credit analysis activities to deliver a high and consistent standard.
• Ability to build and maintain strong relationships across the teams, including credibility with both Business and Risk teams.
• Develop and maintain a diverse, innovation-driven BCO team, ensuring high levels of engagement and satisfaction
• Participate in deal discussions and meetings with clients or credit risk as required.
• Protect the Bank by acting as First Line of Defense and observing all controls.
• Identifies and anticipates all types of risks (e.g., industry, portfolio, diversification, sovereign, commercial, currency, etc.) and identify micro and macro trends impacting the credit portfolio, working with WCRM and business heads to take appropriate steps in changes to underwriting criteria and conducting rapid portfolio reviews.
• Demonstrates ability to engage in constructive and consistent dialogue with risk partners, in a manner that effectively balances commercial outcomes and risk management

To be successful you will need

Knowledge and Experience

• Chartered Accountants / master's in business, Finance, Economics or equivalent is essential and any professional qualification (i.e. CFA, Chartered Banker) is desirable. If none, tenured experiences in credit analysis and/or credit approvals will be considered.
• Knowledge of Investment Banking is mandatory, such as Securities, Treasury, Foreign Exchange, Derivatives, ESG and Climate risk.
• Excellent communication and interpersonal skills, commercial mindset with the ability to influence and collaborate effectively across all levels of the organization.
• Strong relationship management and influencing skills, interpersonal and communication skills with a proven ability to communicate effectively and confidently at all levels.
• Experience in working in an offshore organization and demonstrable ability to navigate and influence a diverse set of senior stakeholders.
• Excellent verbal/written communication skills in English, proficient in credit writing in English, hard-working, organized, diligent, and above all a good team player.

Opening up a world of opportunity

http://www.hsbc.com/careers

HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.

Issued by The Hongkong and Shanghai Banking Corporation Limited.

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