Our purpose – Opening up a world of opportunity – explains why we exist. Here at HSBC, we 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.
This role manages credit risk and provides decisioning for Commercial Banking Innovation Banking, exercising delegated credit authority for credit exposure arising from new and existing clients. Ensures appropriate lending structures and controls are in place to handle inherent and unique risks in reviewed transactions. Consults with businesses regarding appropriate credit facility structuring to meet company standards, regulatory guidelines, and client needs. Reports to the Head of Credit for US Innovation Banking.
As our SVP Senior Credit Officer, you will:
- Evaluate loan application requests, including assessment of key risks, loan structure and terms, company business plan and model, financial performance, investors, management, industry dynamics, and macroeconomic factors.
- Approve loan applications for the Innovation Banking division within delegated credit approval authority, ensuring adherence to all applicable credit approval policies, lending guidelines, and procedures.
- Provide portfolio oversight through management of portfolio reviews, ensuring timely management of credit risk ratings, out-of-compliance issues, past-due loans, and remediation actions.
- Ensure the credit quality of the assigned portfolio is maintained within prescribed credit quality metrics.
Compensation: For this role, HSBC targets a pay range between $225,000 and $275,000. The final fixed pay offer will depend on the candidate and various factors, including responsibilities, skill set, experience, education, licensing/certification requirements, internal relativity, and work location.
At HSBC, our goal is to provide a competitive Total Reward Package, combining fixed and variable pay, as part of overall compensation and benefits. Variable pay typically includes discretionary annual bonuses. We also offer a wide range of benefits to support your health, finances, and lifestyle.
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