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Job description / Role
HSBC is one of the world’s leading banks, with a network covering 71 countries and territories. Our global reach means we offer many ways for you to develop your career. We offer an inclusive, values-led culture, tailored learning and development programmes and competitive benefits.
CMB: Commercial Banking serves millions of businesses, from small enterprises and mid-market companies to large multinationals, in developed and faster-growing markets around the world. We provide the services and expertise that businesses need to thrive. Commercial Banking has a network that covers three-quarters of global trade flows. We provide businesses with banking services in their home markets and overseas. These include trade and receivables finance, payments and cash management, multi-currency accounts, commercial cards, overdrafts, working capital finance, insurance, term loans and syndicated, leveraged, acquisition and project finance. For more information visit http://www.hsbc.com/careers/explore-our-business
The role will proactively support a team of Relationship Managers enabling them to deliver best in class service to existing and prospective customers. The role holder will provide extensive support and is accountable for the end-to-end credit application process including, preparation of credit applications based on thorough analysis of the financial reports, research and other data sources / market intelligence, supporting RMs on credit related operations, facilitating timely execution of facility offer letters and draw downs, liaising with onshore/offshore credit support teams, etc.
Role Purpose:
- Obtaining, researching and analyzing customer information (financial and non-financial) to prepare high quality and professional applications for credit facilities to meet identified customer needs.
- Undertaking the appropriate analysis and preparation of proposals, presentations and pitches for prospective customers.
- Support Relationship Managers in ensuring correct identification of customer needs and delivery of tailored solutions, products and services to meet such needs.
- Perform all relevant KYC/KYCC checks and reviews periodically to ensure fraud and operational losses are minimized
- Ensure timely periodic review of CARMs for the assigned portfolio / pool of Relationship Managers
- Adhere to structures and processes in place for management of credit, operational, reputation and regulatory risk.
- Ensure credit and operational quality is not compromised in pursuit of revenues and profitability
- Manage all relevant documentation, information on relevant systems, coordination with product partners to satisfactorily meet internal requirements and customer expectations
- Work effectively in partnership with other CMB teams, product providers and other departments to deepen customer relationships leading to diversified sustainable revenue streams
- Attend client meetings as necessary
Requirements
- Good knowledge of Credit and Risk management.
- Having an understanding of the trade cycle and full suite of GTRF products.
- Sound knowledge of the Commercial Banking structure, products and services.
- Appreciation of the changing economic, social and governmental environment in UAE.
- Knowledge of international business and various industry sectors.
- Knowledge and experience of using CARM, GRPT, HUB, HFE, Client Vision and other relevant systems.
- Experience in a Credit Analyst role.
- Exposure to and appreciation of a client focused environment.
- Exposure to and appreciation of working in a global environment.
- Experience of professional interaction with financial services customers.
- Developing professional expertise and credibility within business.
About the Company
Headquartered in London, HSBC is one of the largest banking and financial services organisations in the world. HSBC\'s international network comprises around 7,500 offices in over 80 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa.
With listings on the London, Hong Kong, New York, Paris and Bermuda stock exchanges, shares in HSBC Holdings plc are held by over 221,000 shareholders in 127 countries and territories. The shares are traded on the New York Stock Exchange in the form of American Depositary Receipts.
HSBC provides a comprehensive range of financial services to around 95 million customers through four customer groups and global businesses: Personal Financial Services (including consumer finance); Commercial Banking; Global Banking and Markets; and Global Private Banking.