HSBC Bank Recruitment 2023

HSBC Bank is seeking a highly motivated and experienced Credit Manager to join our dynamic team. As a Credit Manager, you will be responsible for managing a portfolio of commercial and corporate clients, ensuring that their credit needs are met while maintaining sound credit risk management practices. You will work closely with a team of credit analysts and relationship managers to assess creditworthiness, originate loans, and monitor credit performance.

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Responsibilities:

• Manage a portfolio of commercial and corporate clients, providing comprehensive credit risk management and ensuring that their credit needs are met in a timely and efficient manner.
• Conduct thorough credit analysis, assessing the financial health and creditworthiness of potential and existing clients, evaluating their ability to repay loans and manage debt obligations.
• Originate loans, preparing loan documentation, analyzing loan proposals, and ensuring compliance with HSBC's credit policies and risk management guidelines.
• Monitor credit performance, reviewing financial statements, assessing credit risk indicators, and identifying potential credit issues early on to take corrective actions and protect the bank's financial interests.
• Work closely with a team of credit analysts and relationship managers to gather information, share insights, and collaborate on credit decisions, ensuring a comprehensive and well- informed approach to credit risk management.
• Maintain strong relationships with clients, providing them with financial advice, addressing their concerns, and building trust to foster long-term partnerships.
• Stay up-to-date on industry trends, regulatory changes, and economic conditions, adapting credit risk management practices to mitigate emerging risks and ensure the bank's financial stability.

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Skills:

• Bachelor's degree in finance, business administration, or a related field
• 5+ years of experience in credit risk management, with a proven track record of success in managing commercial and corporate credit portfolios.
• Strong understanding of credit risk analysis, financial statement analysis, and loan origination procedures.
• Excellent analytical and problem-solving skills.
• Proficient in Microsoft Office Suite and financial modeling tools.
• Excellent communication and interpersonal skills.