Credit Advisor

The opportunity:

Credit Advisor

At HSBC, we’re a trusted international organisation with a global customer base of around 39 million customers worldwide through a network that covers 62 countries and territories. In Europe, our ambition is to become the leading international wholesale bank and we need talent like you to help us meet our ambition. Whether you want a career that could take you to the top or in an exciting new direction-we offer opportunities, support and rewards that will take you further.

Here in Switzerland, you’ll help evolve and grow our business. This role supports the senior staff within sector/country to deepen client relationships and improve income generation through focused business development activities. Are you interested? Do you have Business Management skills? 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 !

The Credit Advisor role is a client facing role whose main responsibility is marketing credit to RMs and clients by:

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

What you will do:

Impact on the Business

Handle enquiries, provide guidance to business (RMs) in identifying, structuring and marketing suitable credit solutions to meet client’s needs and/or

Underwrite and execute both loan and derivative structures, perform high quality analysis, due diligence and credit presentations and/or

Maintains a thorough understanding of the content and aggregate risks within an assigned portfolio, trends and other KRIs and/or

Recommend credit structure and assess risk

Operational Effectiveness & Control

Recommend and review documentation

Monitoring the adherence to published guidelines including the implementation of any changes in GPB Credit risk appetite

Stays abreast of legal and regulatory changes and industry trends

Balance objective of risk management and client

Change debt structure/risk ratings in response to changes in risk

Actively work to maintain and improve portfolio quality and prevent loss

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

You should apply if you have:

Previous Professional Experience In Credit/Lombard Lending Is Essential.

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

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.

As a business operating in markets all around the world, we believe diversity brings benefits for our customers, our business and our people. This is why HSBC is committed to being an inclusive employer and encourages applications from all suitably qualified applicants irrespective of ethnicity, religion, age, physical or mental disability/long term health condition, marital status, sexual orientation, gender identity, gender expression, genetic information (including characteristics and testing), military and veteran status, and any other characteristic protected by local law in the jurisdictions in which we operate. Within the work place 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 in place processes in order to avoid nepotism, which means to avoid creating circumstances in which the appearance or possibility of conflicts of interest may exist within the hiring process.

HSBC is a signatory company of the Advance Charter. This Charter is a commitment towards gender equality in business and hence a workplace environment that supports a fair and balanced approach to hiring, remunerating, promoting and retaining female talent.

HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.

Within HSBC in Switzerland all internal candidates from Group and external applicants are required (subject to local laws), to pass satisfactorily a series of additional checks both as part of the application process and, if successfully recruited into the role. The Group reserves its position with regard to any steps which it may take in relation to any material adverse findings which arise either when the checks are first carried out as part of this recruitment exercise, and/or if relevant, on an ongoing basis.