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About the Role

This Assistant Vice President role sits in the US Business Credit Office with front line credit and risk ownership across Corporate and Institutional Banking. With a focus on commercial real estate and real estate investment trusts (REITs) you’ll help translate business strategy into well-judged credit outcomes that align to risk appetite. The role combines credit writing, underwriting, financial analysis and valuation work with close partnership across relationship bankers, product teams and risk colleagues. You’ll coordinate stakeholders to deliver clear recommendations that meet internal credit policies and external regulatory expectations. Success looks like consistently high-quality credit papers, effective engagement with relationship teams and sound risk decisions that support client needs and fair customer outcomes.

Responsibilities

Deliver credit and risk ownership including writing credit papers and forming recommendations aligned to risk appetite
Perform credit analysis including modelling projections and enterprise valuation analysis for commercial real estate and REIT transactions
Coordinate closely with relationship managers, Credit Risk, global partners and product teams to support CIB priorities
Apply sector knowledge to interpret transaction risk profiles and assess commercial real estate and REIT credit fundamentals
Partner with relationship teams on credit engagement to optimise relationship value and deliver needs-based solutions and fair customer outcomes
Attend client meetings as needed and act as a first point of contact for credit-related customer enquiries
Follow HSBC policies, procedures and control requirements and escalate actual or potential issues through the right channels
Embed operational risk considerations into day-to-day decisions and ensure audit and regulatory actions are implemented on time

Requirements

Bring substantial corporate and institutional banking underwriting experience in commercial real estate and REITs
Demonstrate structuring and credit underwriting experience across lending and related banking products
Apply a thorough understanding of commercial real estate and REIT credit and risk profiles to real transactions
Produce clear, well-reasoned credit analysis and recommendations using expert judgement within policy and regulatory requirements
Evaluate information effectively to support decision making in complex credit situations
Partner effectively with relationship managers and internal stakeholders to improve client engagement and outcomes
Communicate clearly in writing and in person with internal teams and clients on credit-related topics
Prioritise effectively across multiple deliverables while maintaining strong organisation and time management

Skills

Credit judgement
Credit writing
Underwriting
Financial analysis
Valuation
Risk appetite
Credit policies
Regulatory expectations
Commercial real estate
REITs
Modelling projections
Enterprise valuation analysis
Sector knowledge
Transaction risk profiles
Credit fundamentals
Relationship management
Needs-based solutions
Fair customer outcomes
Operational risk
Audit
Regulatory actions
Structuring
Lending
Banking products
Decision making
Client engagement
Communication
Organisation
Time management

Experience Level

Assistant Vice President

Benefits

Tailored professional development opportunities
Competitive pay and benefits package
Robust Wellness Hub
Welcoming and inclusive work environment
Industry-leading volunteerism policy
Generous matching gift program
Comprehensive program of immersive Sustainability and Climate Change Initiatives
Employee Resource Groups

About the Company

Our purpose – Opening up a world of opportunity – explains why we exist. Here at HSBC we use our unique expertise, capabilities, breadth and perspectives to open up new kinds of opportunity for our more than 40 million customers. We’re bringing together the people, ideas and capital that nurture progress and growth, helping to create a better world – for our customers, our people, our investors, our communities and the planet we all share.

Equal Opportunity

All qualified applicants will receive consideration for employment without regard to age, ancestry, color, race, national origin, ethnicity, disability or medical condition, genetic information, military or veteran service, religion, creed, sex, gender, pregnancy, childbirth, caregiver status, marital status, citizenship or immigration status, sexual orientation, gender identity or expression or any other trait protected by applicable law.