Vice President Commercial Credit Portfoilio Manager Job Details
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| Vice President Commercial Credit Portfoilio Manager (Ref: 91907) |
| Sector, Sub Sector: |
Other
|
| Compliance Type: |
Regulatory/Compliance
|
| Expertise: |
-
|
| Company: |
HSBC
|
| Location: |
Miami
,
Florida
|
| Employment Type: |
Permanent
|
| Job Description: |
Make the Right Move and join a winning team! Build your career with us. HSBC - North America is part of HSBC Group, one of the largest banking and financial services organizations in the world. Our domestic strength and extensive global network provides our employees with the best of both worlds - the friendliness of a local organization and the resources of a worldwide network - for diverse experiences and challenging career opportunities. Compiles and analyzes credit and financial information of current and potential Commercial Banking business customers of a more complex nature. Prepares the most complex credit analyses and accurate credit proposals to enable informed decisions to be made. Provides management and decision making support. Ensures all policies and procedures are properly applied. Manages assigned portfolio of a larger, more complex nature. Direct responsibility for the largest customer lending in the Core Middle Market sector. A specialist that has a through understanding of the trends, competition, communities and businesses in the markets serviced. Provides credit management support within an assigned team. Compile and analyze credit and financial information of current and potential Commercial Banking business customers of a more complex nature, using appropriate model; prepare more complex complete and accurate credit proposals to enable informed decisions to be made. Customer facing when accompanying the Relationship Manager in order to structure complex deals. Provide guidance, assistance and training in the structuring and maintenance of credit and borrowing relationships, including negotiating, underwriting, pricing, credit quality, reporting of problem loans, completing in-depth reviews of financial statements and receiving all required documentation. Monitor activity on facilities to ensure usage and conditions comply with approved requirements; ensure propriety of advances and repayments. Work with other areas of the Company to ensure the requisite support for business activities and provide/obtain new business. Work effectively with Business Banking and Corporate to ensure ongoing communication and referrals. Complete specialized duties unique to assigned commercial business, such as assisting in portfolio monitoring and review of existing facilities. Prepare appropriate forms on existing and proposed commitments; ensure compliance with all applicable regulations; notify appropriate personnel of unique situations. Polished communicator with ability to deliver cogent verbal and written information to team leads and credit. This new role bridges the gap between existing junior credit analyst and the customer facing relationship manager. Strong leader with proven ability to guide teams to achieve results. The position has general credit authority of $xxx and overdraft authority of $xxx. Ensure compliance, operational risk controls in accordance with HSBC or regulatory standards and policies; and optimize relations with regulators by addressing any issues. Promote an environment that supports diversity and reflects the HSBC brand. Maintains HSBC internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators. Analytical with strong credit skills in underwriting, financial modeling, valuations, and adherence to policy. Basic Qualifications: - Bachelor's degree in accounting, business, finance, related field or equivalent experience
- Minimum of six years proven credit analysis experience or equivalent
- Proven financial, analytical, mathematical and communication skills
- Sound knowledge of the business and products supported and pertinent regulations impacting their delivery, including those related to documentation requirements
- Proficiency with personal computers as well as pertinent mainframe systems and software packages
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| Job Ref No: |
91907
|
