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About the Role

This role offers the opportunity to take on significant responsibility within HSBC’s second line of defence, evaluating and approving high-value lending proposals across CIB and select CMB clients. You’ll act as a subject matter expert, influencing policy, process improvements, and risk management both regionally and globally. The position provides exposure to senior management, cross-functional collaboration, and the chance to shape lending guidelines and risk appetite at industry and counterparty levels. You’ll also play a pivotal role in supporting sustainable finance initiatives, managing emerging risks, and contributing to the ongoing development of the offshore team, making this a dynamic, impactful, and highly visible position within the organisation.

Responsibilities

• Assess and approve credit transactions and annual reviews within delegated authority and make recommendations for those exceeding authority.
• Conduct periodic portfolio reviews to identify trends, concentration risks, and problem exposures.
• Undertake sector reviews to set and manage risk appetite and lending guidelines.
• Coordinate with Group Risk, Regional Wholesale Credit Risk Management, origination teams, and portfolio management for timely and high-quality credit decisions and portfolio oversight.
• Participate in working groups and projects to improve processes, design policy, streamline operations, and enhance risk management.
• Support the development of offshore teams.
• Monitor emerging risks such as transition risk, fraud risk, and climate risk.
• Implement enhanced risk controls when needed, including updating appetite status and managing Watch, Worry, Monitor lists.
• Collaborate alongside the Senior Manager to deliver professional risk management.
• Contribute to team succession planning, talent management, and employee engagement, especially with offshore colleagues.

Requirements

• Demonstrable ability to evaluate and approve complex credit transactions and annual reviews.
• Robust knowledge of CIB global business.
• Experience conducting portfolio reviews, identifying trends and risks, and managing industry or counterparty risk appetite, including setting lending guidelines and sector caps.
• Proven track record of collaborating with a range of stakeholders, such as origination teams, portfolio management, and risk functions, to coordinate credit decisions and portfolio oversight.
• Involvement in working groups or projects to improve processes, design policy, streamline operations, or enhance risk management frameworks.
• Experience in monitoring emerging risks (e.g., transition risk, fraud risk, climate risk), implementing enhanced controls, and managing Watch, Worry, Monitor lists.
• Ability to support team leadership, succession planning, and employee engagement, particularly in a cross-border or offshore team environment.

Location

• UK

Work Type

• Full-time

Experience Level

• Experienced professional

Benefits

• Tailored professional development opportunities
• Competitive pay and benefits package
• Private healthcare for all UK-based employees
• Enhanced maternity and adoption pay and support
• Contributory pension scheme with a generous employer contribution

About the Company

• HSBC is one of the largest banking and financial services organisations in the world, with a network that covers more than 50 countries and territories.
• We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people fulfil their hopes and realise their ambitions.

Equal 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.
• Our recruitment processes are accessible to everyone - no matter their gender, ethnicity, disability, religion, sexual orientation, or age.
• 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.
• If you’d like to apply for one of our roles and need adjustments made, please get in touch with our Recruitment Helpdesk:Email: hsbc.recruitment@hsbc.comTelephone: +44 207 832 8500