Some careers open more doors than others.
If you’re looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.
We’re seeking a Special Credit Manager to join our Business Banking Special Credit Unit. Business Banking Special Credit Unit ensures the risks being taken in support of any turnaround plan are appropriate to the Bank’s risk appetite but fairly. Whilst the primary objective of is to maintain long term relationships with customers, it is recognised that this will not always be possible and where business viability cannot be established or restored, will explore options with the customer that provide a consensual route to full repayment.
Global Risk is a thriving and expert risk management function supporting HSBC globally with all aspects of risk management. The team actively manages a varied and dynamic range of risk types, including security, fraud, information security, contingency, geopolitical, operational, credit, pension, insurance, financial crime and regulatory compliance, market and reputation risks. All parts of the Global Risk team use their skills, insight and integrity to handle established threats and those they see emerging, acting to protect and enable HSBC to deliver sustainable growth.
As an HSBC employee in the UK, you will have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution.
In this role, you will:
- Proactively manage a portfolio of Small-Medium Enterprises who are experiencing financial distress (CiFDs) with a cash risk >£500,000 in a “face to face” relationship environment.
- Rehabilitate customers to Business Banking by using the “5Cs Principles” to successfully deliver consensually agreed strategies.
- Effectively manage resources to increase the quality and time for client meetings/visit opportunities.
- Deepen understanding of clients through pro-active credit risk assessments and customer due diligence reviews.
- Confidently manage financial crime and fraud risk throughout the client lifecycle by identifying, assessing, accepting, monitoring, escalating and mitigating risk.
- Ensure adherence to all applicable operational risk standards and policies, reporting any breaches.
To be successful in this role you should meet the following requirements:
- Demonstrable experience working with Business Banking customers.
- An overall understanding of the credit lifecycle with an awareness of HSBC credit risk appetite.
- A strong customer focus and able interpret complex situations and establish outcomes that suit both customer and the bank.
- Flexible and able to travel to visit customers as and when required.
The base location for this role: Manchester / Liverpool / Preston / North-West / Hybrid with up to 2 days in the office a week.
You’ll achieve more when you join HSBC.
At HSBC we look to enable our employees to better balance their work / life priorities and have the flexibility required to meet challenging needs as they progress through different life stages. Where possible we will consider the following flexible working options: part-time working, job sharing, term-time working, and working from home and staggered hours. If in considering a role with HSBC you have a need for some flexibility in your working arrangements please discuss this with the recruitment team in the early stages of the application process.
HSBC is committed to being an inclusive employer and providing an inclusive and accessible recruitment process for all. We will provide reasonable adjustments to remove any disadvantage to you being considered for this role. We are proud members of the Disability Confident Scheme, and will offer an interview to disabled candidates who meet the minimum criteria for the role. If you would like to receive any information in a different way or would like us to do anything differently to help you apply for our roles, please contact our Recruitment Helpdesk:
Email: [email protected]
Telephone: +44 2078328500.
Within the workplace you will have access to various employee resource groups which aim to promote and achieve a healthy work / life balance and support our diversity ambitions. HSBC has processes in place to avoid nepotism. This means we will avoid circumstances in which the appearance or possibility of conflicts of interest may exist within the hiring process.