Credit Manager

6 months ago


UAE, United Arab Emirates HSBC Full time

-Job description

Credit Manager - Business Banking (UAE National) - 0000K82C

Some careers grow faster than others.
If you’re looking for further opportunities to develop your career, take the next step in fulfilling your potential right here at HSBC.

HSBC Commercial Banking serves millions of businesses ranging from small, to large corporates, providing commercial customers with a full range of banking services including Global Trade and Receivables Finance, RMB solutions, multi-currency business accounts, payments and cash management, and wealth management and insurance, as well as a comprehensive range of financing solutions.

We are currently seeking an ambitious individual to join our Business Banking team as a Credit Manager who will assist Relationship Managers (RMs) in building relationships by identifying and meeting existing and prospective customer needs. ensuring the delivery of tailored solutions and maintaining compliance with banking regulations and standards within the business banking sector.
In this role you will:

- Provide proactive support to Relationship Managers in Business Banking to maximize client relationships and deliver needs-based solutions and fair outcomes for customers.
- Enable proactive client management by attending client meetings with Relationship Manager as necessary and acting as the first point of contact for customers on daily credit-related enquiries.
- Prepare appropriate analysis, proposals and presentations to prospective customers.
- Support day-to-day activities including client planning, pipeline management, and coordination with product partners in the Business Banking sector.
- Undertake financial, credit and profitability analysis, and prepare the accounts remarks.
- Coordinate third-party liaison, such as discussions with external lawyers and valuers, specifically for business banking clients.
- Collaborate with Group colleagues to deliver appropriate needs-based solutions for customers.
- Work closely with Service Delivery and co-ordinate end-to-end credit process, review deliverables and resolve issues.
- Monitor credit risk, including concern lists and credit control reports, and analyze management information.
- Provide ongoing risk monitoring in areas concerning Global Standards and Anti-Money Laundering & Sanctions alerts, and act as an escalation point for risk issue response.
- Ensure compliance with Group Policy, regulatory, financial, and legal standards specific to Business Banking
Requirements
To be successful in the role, you should meet the following requirements:

- Strong knowledge of local and regional cash management with proven track record in Client Services.
- Excellent knowledge and direct experience of service provision and how customer service impacts client perception.
- Experience and understanding of managing diverse, cross-functional teams,
- Able to lead people and connect at all levels of the organization: can-do attitude.
- Diligent, not afraid to get into the detail.
- Self-starter, highly motivated and determined.
- Good level of business acumen, commercial awareness, including economic, cultural, procedural and regulatory issues.
- Excellent interpersonal skills and ability to interact and build relationships with internal and external stakeholders.
- Excellent time management, planning and organization skills.
- Excellent range of communication skills, including written, verbal, and the ability to deliver compelling presentations.
- Strong analytical and selling skills.
- A good understanding of the market & market trends, competitive environment, and regulatory environment.
- Graduation degree is a must - to secure a UAE Visa and Work Permit.

You’ll achieve more at HSBC.
Issued by The Hong Kong and Shanghai Banking Corporation Limited.


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