Job description
As our Credit Advisor you’ll be the go-to expert on all credit and risk based products with emphasis and support to Private Banking relationship managers and business heads. You’ll be responsible for identifying, structuring, negotiating, and underwriting new credit opportunities. Every day, you’ll build trust with clients and your team in these interactions by learning new concepts and researching information in real-time to provide creative solutions. To thrive in this job, you need experience in risk and portfolio management with credit products. You should also be familiar with a credit analysis, relationship building and Microsoft Office.
About Us
Our purpose – Opening up a world of opportunity – explains why we exist. We’re here to use our unique expertise, capabilities, breadth and perspectives to open up new kinds of opportunity for our more than 40 million customers. We’re bringing 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.
Requirements
Employment eligibility to work with HSBC in the U.S. is required as the company will not pursue visa sponsorship for these positions
Here’s what you might expect on a typical day:
- Global calendar. You’ll be up early and online late attending meetings with global stakeholders to build trust and enable efficient communication across time zones as you help them make important financial decisions.
- Financing conversations. You apply your research and evaluations from a wide variety of sources to develop an assessment of client, competitor and industry risks and trends
- Teamwork. We don’t make decisions in a silo. You’ll work with your team to dig into the details and look at problems from every perspective. You must know how to pull together products, partners and stakeholders to support one decision.
- Troubleshooting. Scenarios range in complexity and you’ll need to adapt to one-of a kind challenges, everyday scenarios, and geopolitical issues.
Qualifications:
- 5-10 years of experience and proven success in area of risk and portfolio management with credit products including some or all of the following:
- Marketable securities
- Single stock
- Unsecured
- Commercial Real Estate
- Residential mortgages
- Hedge Funds
- Lending against Private Equity LP Interest
- Private Equity Capital Call Financing
- Life Insurance Premium Financing
- Aircraft Financing
- Yacht Financing
- Management Fee Line
- Art
- Music Rights Financing
- Underwriting experience from start to finish that includes the following:
- Spread personal financial statements
- Cash flow analysis
- Collateral analysis
- Experience creating credit memos that discusses the following:
- Transaction summary
- Structure of loan
- Covenants
- Collateral
- Financials spreads
- Risk and mitigates
- Strength and weakness
- Documentation
- Recommendation
As an HSBC employee, you will have access to tailored professional development opportunities and a competitive pay and benefits package. We work hard to ensure that our workplace is a diverse, inclusive and meritocratic environment and we have a strong commitment to sustainability. Our Employee Resource Groups (ERGs) play a central part in life at HSBC, including the development of our employees and our connection to the communities and customers we serve. We value difference. We succeed together. We take responsibility. We get it done. And we want you to help us build the bank for the future!
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.