CIB COO (Corporate and Institutional Banking)

Our COO team delivers strategic execution for Corporate and Institutional Banking (CIB) across the globe. Through transformative data and digital solutions, customer servicing, and non-financial risk expertise, this team is where problems are solved, and careers are made.

CIB COO focuses on these key priorities:

Protecting the bank, our customers and stakeholders by enhancing our operational resilience, strengthen our control environment, and improve risk management.

Driving operational excellence and efficiency by optimising our processes and delivering the transition to net zero in our own operations.

Enabling business growth exceptional service by enabling our businesses to focus on our competitive advantage and deliver transformation and digitisation across the bank.

We are currently seeking an experienced professional to join our team.

In this role, you will:

Responsible for the delivery of BCO tasks in line with agreed OKRs, SLAs and KPIs
Support the end-to-end Credit & Lending servicing journey, ensuring a seamless and efficient process for both customers and internal stakeholders
Assist the Relationship Manager with credit analysis and the timely submission of credit proposals for facilities for both existing and prospective clients
Liaise with relevant teams for the preparation of facility letter and any other internal security documents. Ensure completeness of security documentation prepared by external legal counsel.
Proactively manage the credit quality of the supported portfolio by i) conducting periodic credit reviews; ii) tracking and reporting of compliance with covenants and conditions of approval; and iii) promptly escalating deviations to the Risk team for resolution.
Actively participate in training sessions to continue to develop credit skills, product knowledge, industry knowlede and client management skills.
Ensure the consistent application of HSBC policies and adherence to regulatory, financial, and legal standards to minimise business and reputational risks
Support the BCO Manager and Team Lead on ad-hoc requirements and other strategic initiatives to streamline and simplify end-to end credit & lending process
Participate in deal discussions and meetings with clients as required
Protect the Bank by acting as First Line of Defence and adhering to all controls
Maintain HSBC internal control standards, including timely implementation of internal and external audit recomentations, along with addressing any issues raised by external regulators

Role Purpose
Credit & Capital Management (C&CM) under CIB are in the process of implementing a new, modern, and consistent E2E operating model. A key component of this operating model is the introduction of a first line credit management office, the Business Credit Office (BCO)
The BCO function will complete tasks currently owned by multiple actors including Credit Analysis Unit, Credit Analysts, and RMs in the management of the first line credit risk responsibilities including structuring, credit analysis and rating recommendation, client credit monitoring tasks, credit terms and docs negotiation with WCMR and clients acting as a single handoff from a RM to the BCO for all C&L tasks, creating a single control point. The function will be client facing and customer service orientated.
The BCO Analyst provides client support to BCO Managers and Relationship Managers (RMs) / Coverage and facilitates client review and renewal activities, and is responsible for carrying out customer research, financial and credit analysis on behalf of the RMs.
The role holder is responsible for co-ordinating and completing credit applications or renewals as well as managing risk escalation. Additionally, they may support client management. In discharging their duties the role holder must implement a common, reliable, and predictable underwriting and lending process, that protects the business from exposure, whilst responding to clients borrowing needs. The role holder will report to the BCO Manager and will work closely with the Coverage and Transaction Support teams to ensure seamless customer experience and consistency of service for all customers.

To be successful in the role, you should meet the following requirements:

Bachelor's degree in Business, Finance, or a related field
Relevant work experience in corporate banking as a credit analyst or relationship manager
Good understanding of various financing instruments and banking products in corporate banking
Comprehensive understanding of risk management and proven experience in ensuring compliance (self and others) with organisational and regulatory requirements
Analytical with a keen eye for details
Strong communication and interpersonal skills, with the ability to collaborate effectively with diverse stakeholders

Youll achieve more at HSBC.

HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within and inclusive and diverse environment. Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.

Issued by HSBC Bank (China) Company Limited