Assitant Vicepresident Credit Risk
hace 2 semanas
-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 organizations 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 realize their ambitions.
We are currently seeking an experienced professional to join our team in the role of
**Assitan VicePresident Credit Risk**
Loan Management Unit (LMU) operates within the ‘Professional Services’ operating model and deals with high risk credits (secured), extended to small businesses, middle market, large corporates as well as global banking customers in US.
The LMU officers manage/ co-manage a portfolio of criticized/classified or exit loan relationships including Commercial Real Estate, derivative products, and settlement limits alongside On-shore Senior LMU Managers catering primarily to the Mid Market, Large Corporate, Commercial Real Estate, Asset Based Lending and Global Banking segments. Objective is to reduce criticized, classified and/or non-performing assets to maximize the timely recovery of assets through collection and/or restructure, including rehabilitation and return to the line.
**Main activities**:
- Closely monitor high risk credits & recommend an appropriate workout strategy in collaboration with onshore senior RMs or independently, in case of Full Responsibility (direct relationship management) from GSC, to bring them to the best resolution for the bank.
- Undertake thorough credit analysis, risk assessment, day to day management, loss estimation, collateral coverage estimation on assigned portfolio of bilateral and syndicated relationships.
- Perform impairment analysis in compliance with IFRS9 guidelines for exposures with default risk ratings. Also participate in Lender call to evaluate strategies at the Bank Group level and execute HBUS workout plans in accordance.
- On select exposures from GB segment, formulate restructure or exit resolution strategies as well as determine appropriate risk ratings alongside onshore officers within a time frame of 36 months or less to minimize credit impairments.
- "Shadow Management" - now termed Advisory Support - for criticized credits that have received approval to stay with the business segment line area. This may include participation in customer contact, risk rating determination and collateral coverage estimates. Provide support in risk assessment and develop appropriate strategies for rehabilitation or exit of relationship.
- Participate and contribute in multi-party discussions along with Onshore Relationship Manager where Bank Counsel, Customer, Customer Counsel, Lending group representatives are involved.
Requirements
- Academics - Graduate degree in accounting/ business/ finance/ economics/ related field or equivalent. Qualifications in Finance/ CA/ ICWA/ CS/ CAIIB preferred.
- 7+ years of post-qualification experience in handling small business or commercial credits and dealing with customers and government agencies or equivalent (relevant loan workouts and/or commercial lending and/or commercial recovery experience).
- In-depth understanding of accounting, financial analysis, credit products i.e. all fund & non fund based credit products viz. - term loans, OD/CC, LC/BG, bill discounting, factoring, forex loans.
- Good knowledge of International Trade Financing, treasury / derivative products will be preferred.
- Ability to analyze loan documentation including syndicated credit agreements, analyze complex corporate financial statements as well as personal net worth statements.
- Ability to negotiate loan terms both directly with borrowers and work with large loan bank groups.
- Strong analytical skills with ability to quickly interpret data & facts to arrive at meaningful conclusions and assess the business/ financial prospects of the borrowers.
- Ability to work with outside legal counsel in litigation matters and loan and credit agreement amendments, interface professionally and support third party vendors, handle loan sales and to manage other real estate owned property (ORE).
- Working knowledge of internal loan systems and loan approval system.
- Strong team player able to work cooperatively with existing LMU RMs and LMU/WMR Management.
- Understand the basics of US bankruptcy and bankruptcy law.
- Comprehensive knowledge of Credit Policy, Lending Officer Procedures and Underwriting Guidelines and collateral/security lien procedures.
- Ability to be flexible and adjust to the demands of information project requirements driven by senior management and regulators
- Excellent written and verbal English skills.
- Demonstrated negotiations, problem-solving, communications, decision - making and persuasion skills. Strong analytical skills with ability to quickly interpret data & facts to arr
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