Credit Advisor
Being part of HSBC in Switzerland, you’ll help evolve and grow our business.
Credit Advisor is a client facing role whose main responsibility is marketing credit to RMs and clients.
Are you interested ? Do you have a previous professional experience in credit/Lombard lending ? Do you enjoy to be part of a cohesive team ?
If you answered yes to any of these questions, we want to hear from you !
What you will do:
* Identifying, structuring, negotiating and underwriting new credit opportunities and/or
* Managing existing portfolios, developing appropriate recommendations for credit approval, ensuring compliance with documented covenants and financial reporting requirements and/or
* Reviewing credit limits and monitoring collateral while balancing portfolio’s risk-return
In this role you will:
Major Challenges
* Establish and maintain an excellent working relationship with Relationship Managers and colleagues across the Group. Liaise with internal and external clients to ensure that their expectations are met in a timely manner and understood
* Develop and implement credit product marketing strategies, consistent with providing sound financial private banking advice and management of risk
* Underwrite all credit applications and annual reviews on a timely basis
* Monitor and manage portfolio risk and meet the KRI standards
* Ability to quickly assess and understand changes in client preferences, client appetite, as well as industry and competitor dynamics vis-à-vis credit products and solutions
Requirements
* Previous professional experience in credit/Lombard lending.
* Experience in credit analytics, portfolio and risk management.
* University degree is preferred.
* Have proven sales skills, understands what drives new business, and how to interact with clients and prospective clients to develop high quality lending opportunities
* Strong interpersonal skills
* High quality collaboration skills in a team-oriented environment
* Ability to meet deadlines and manage relationship manager and client expectations
* Possess excellent oral and written communication skills.
* Exceptional presentation skills
* Due to immigration restrictions in Switzerland we will only be able to consider applications from Swiss or EU citizens or from candidates holding a valid Swiss work permit.
Even if you feel you do not meet 100% of our qualifications, we encourage you to apply, if you believe this role is right for you.
What you’ll get in return:
Not only is HSBC a great place to work, but we also offer the following unique and exciting opportunities and benefits:
* We’ll help you progress your career, including access to development programmes, mentoring and coaching, as well as world-class training through HSBC University.
* You can work your way and will have a say in when, where and how you and your team flexibly work together.
Our benefits will give you financial security, and can include:
* Health & meal allowance, public transport or (e-)bike allowance
* Our family-focused benefits can help you to support your loved ones and include: days off for key events (weddings, moving house, adoption). A one-time marriage or registering of a "Civil Partnership" grant. One-time premium for birth or adoption, as "gift" or "voucher. 4 weeks’ paternity leave & 26 weeks’ maternity leave
* Emergency Childcare with the Red Cross, free of charges for HSBC employees.
* Purchased holidays scheme, unpaid leave, sabbatical, Volunteering Leave,
* Accident insurance (private coverage) paid by the Employer, attractive Pension Scheme
* We’ll give you a huge range of resources that support your mental, physical and social well-being, including:
* Various sports and leisure activities organised by the employees for the employees.
* The Bank offers to the employees and their family members specialised free, confidential service to help them deal with any personal problems – either at work or at home. Unlimited telephone consultations services available 24/7.
* You’ll have opportunities to work internationally - this can be your place to start and branch out to anywhere we have offices
* You’ll be able to join our Employee Resource Groups that bring together colleagues with shared characteristics and common interests.
At HSBC, our purpose is opening up a world of opportunity and by joining our team, you can be part of something bigger. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible.