Impress employers and recruiters.
Choose from hundreds of resume examples.

Target Resume Now

About the Role

The Business Credit Office (BCO) is a critical part of the Corporate & Institutional Banking (CIB) Credit & Capital Management (CCM) operating model, serving as a partner and single point of contact for relationship managers and frontline bankers. The BCO provides expertise and execution for credit and lending, alongside centralized credit oversight, working closely with credit risk and approval partners. This client-facing function focuses on structuring credit products, negotiating documentation, credit analysis, risk rating recommendations, and client credit monitoring.

Responsibilities

Lead and oversee teams responsible for executing credit and lending servicing within the US market, focusing on the International Mid-Market business segment.
Ensure alignment with regional processes and maintain a seamless, efficient process for customers, complying with US regulatory requirements.
Monitor and analyze customer feedback to identify local areas for improvement in customer outcomes, aligning with regional priorities.
Collaborate with local and global stakeholders (CCM, WCR, Legal, IMM Coverage, digital channels, products) to implement the wholesale credit and lending strategy.
Support and drive the implementation of governance frameworks for escalating and resolving credit and lending risks and issues.
Monitor the management of financial and non-financial risks pertaining to CCM production in partnership with local NFR/Business Risk.
Support the OKR, KPI, and SLA management framework, maintaining service management oversight for operational and control performance across CCM services.
Collaborate with internal teams (CCMS Product, Design and Innovation, technology, transformation) to execute the CCM technology strategy, reduce legacy technologies, and drive innovation using next-gen technologies, AI, and analytics.
Develop and maintain relationships with regulators, US credit review, internal and external auditors, and participate in audits and regulatory exams.
Manage multiple senior stakeholders with varied agendas, navigating complex situations and driving alignment.
Support and drive the implementation of the BCO model in the US to be globally leading, leveraging organizational design to optimize processes and structures.
Maintain a diverse, innovation-driven credit and lending workforce, ensuring high engagement and satisfaction.

Requirements

Bachelor’s degree in business, finance, or a related field; master’s degree preferred.
Experience in credit and lending, with a strong background in managing loan portfolios.
Experience with mid-market enterprise international companies preferred.
Proven track record of leading and managing teams, with experience in organizational design and strategic planning.
Extensive stakeholder management skills, with the ability to navigate complex situations and drive alignment among senior leaders.
Advanced financial acumen and credit assessment skills, including expert judgment in transaction structuring and assessing borrower creditworthiness, with experience focused on international mid-market companies.
Broad knowledge of US regulatory frameworks impacting credit and lending.
Expertise in credit risk management, control assessment, and SOX compliance.
Experience in driving digitisation and customer experience improvement initiatives.
Excellent analytical and problem-solving skills, with the ability to distill key areas of focus from customer feedback.
Strong communication and interpersonal skills, with the ability to influence and collaborate effectively across all organizational levels.
Ability to effectively discuss credit with clients, negotiate terms, and build rapport with external and internal stakeholders.

Skills

Credit Management
Lending
Risk Management
Stakeholder Management
Organizational Design
Strategic Planning
Financial Acumen
Credit Assessment
Regulatory Frameworks
SOX Compliance
Digitisation
Customer Experience Improvement
Analytical Skills
Problem-Solving
Communication Skills
Interpersonal Skills
Negotiation

Location

Work Type

Full-time

Experience Level

Director

Education Level

Bachelor's Degree
Master's Degree

Benefits

Access to tailored professional development opportunities.
Competitive pay and benefits package.
Robust Wellness Hub.
Welcoming and inclusive work environment.
Empowerment to drive HSBC's community engagement through industry-leading volunteerism policy.
Generous matching gift program.
Comprehensive program of immersive Sustainability and Climate Change Initiatives.
Employee Resource Groups for development and networking.

About the Company

HSBC's purpose is 'Opening up a world of opportunity'.
HSBC leverages its expertise, capabilities, breadth, and perspectives to create opportunities for over 40 million customers.
HSBC brings together people, ideas, and capital to nurture progress and growth, aiming to create a better world for customers, employees, investors, communities, and the planet.

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.