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At HSBC we exist with the purpose of Opening up a World of Opportunity. We use our unique expertise, capabilities, breadth and perspectives to provide opportunities for our customers and colleagues through global connectivity. We bring 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.

As an HSBC employee in Australia, youll have access to tailored professional development opportunities, competitive pay, an embedded flexible working culture and a range of employee benefits. These include market-leading subsidised private health cover, enhanced parental pay and support when returning to work, bonus leave days and wellness programmes including discounted gym memberships.

Global Risk & Compliance is a specialist and expert risk management function supporting HSBC across all aspects of risk management and compliance. The team manages a varied and dynamic range of risk types, including operational, credit, compliance, regulatory, market and reputational risks. Our people use their skills, insight and integrity to manage established and emerging risks, helping HSBC deliver sustainable growth.

Were currently seeking an experienced credit professional to join the Wholesale Credit Risk team as Senior Manager, Wholesale Credit Risk, based in Sydney. Reporting to the Head of Approvals, youll assess and make decisions on complex corporate credit proposals within your delegated Credit Approval Authority. Youll provide independent, commercially focused credit guidance while maintaining sound asset quality and a conservative credit culture across HSBCs lending activities in Australia.

This role has no direct or indirect reports.

Key responsibilities will include:

• Assess and make decisions on corporate credit proposals, including annual reviews, new-money requests and amendments, within delegated Credit Approval Authority.
• Provide expert credit guidance at both transactional and portfolio levels, helping shape credit appetite and support sound asset quality.
• Deliver high-quality financial analysis, including consistent risk-grade assessments and clear presentations of financial risk.
• Identify and escalate credit concerns promptly and appropriately, including relevant matters to the Special Credit Unit.
• Contribute to Worry, Watch and Monitor forums, sector reviews and other credit risk governance activities.
• Provide early advice and guidance on large and complex transactions, including highly structured transactions across sectors such as leveraged finance, project finance and commercial real estate.
• Support HSBC Australias growth and strategic priorities by promoting an efficient, commercially focused credit approval process that responds to customer needs.
• Ensure compliance with HSBCs credit risk management framework, policies and procedures, applicable regulatory requirements and internal control standards.
• Provide input into business and functional requirements relating to corporate risk, including credit systems development and policy formulation.
• Monitor key risk indicators and work with first line controls teams to support effective operational risk management.
• Develop subject-matter expertise in a relevant sector, product or specialist area supporting Wholesale Credit Risk coverage.
• Build effective relationships with senior stakeholders across Corporate and Institutional Banking, Product areas and regional and local Risk functions.
• Support team engagement and effectiveness by providing coaching, mentoring and assistance to colleagues as required.
• Maintain current knowledge of macroeconomic, financial market, country, sector, counterparty and product developments, ensuring changing risk profiles are reflected in credit assessments.

To be successful in the role you will need:

• A university degree in Finance, Economics, Business Administration or a related discipline.
• Extensive experience in corporate credit analysis and related risk management.
• Significant experience assessing complex corporate exposures across a broad range of industries.
• Experience in highly structured transactions, including leveraged finance, project finance and commercial real estate.
• Strong financial analysis, technical credit and problem-solving skills, with sound commercial judgement and a clear focus on credit quality.
• The ability to make timely, independent and well-reasoned credit decisions within delegated authority.
• Experience contributing to credit appetite, policy development, risk governance and portfolio-level risk management.
• Strong stakeholder management and communication skills, with the confidence to engage and influence senior leaders across Risk, Corporate and Institutional Banking and Product teams.
• The ability to work autonomously while contributing effectively to a collaborative team environment.
• A proactive approach to identifying emerging risks and escalating concerns appropriately.
• The ability to work under strict time pressures while meeting service-level commitments.
• A strong understanding of regulatory requirements, internal controls and operational risk management.
• A commitment to HSBCs values and to fostering a sound, conservative and commercially aware credit culture.

We will conly consider candidates who hold Australian or New Zealand Permanent Residency/Citizenship or currently have unrestricted work rights in Australia with no limitations.

We value different perspectives, we succeed together, collaborating across boundaries, we take responsibility, holding ourselves accountable to get things done. Through these values, HSBC is committed to building a culture where all employees are appreciated and respected and where opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow in an inclusive environment. Applications from First Nations peoples are encouraged.

Learn more about careers at HSBC Australia https://www.hsbc.com/careers/where-we-hire/australia

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