Job Title: Manager, Credit Risk
Role must undertake Balanced Risk Decisions and Recommendations for Asia WCRM to ensure that WCRM: -
Contribute towards building sound quality asset portfolio, quality business
Participate in the maintenance of a stable lending portfolio within Group and Asia WCRM policy objectives.
Maintain appropriate credit standards in the approval and control of lending.
In this role, you will:
Principal Accountabilities and Responsibilities (e.g., for Business, Customers and Stakeholders; internal control environment, etc.)
Responsible to deliver timely and well-balanced risk approvals / recommendations in Asia WCRM CIB/GB (including MNC) / FIG portfolio within in agreed Service Level Agreement. Analyse the counterparties in the Financial Institutions Group (FIG) Segment of Group FIG Approvals team.
Prepare financial analysis for internal rating and establishing credit limits for financial institutions, sovereigns and countries both at parent and subsidiary levels.
Foster and encourage a sound common credit culture and to avoid undue risk concentrations,
with the aim of ensuring a sustainable high quality lending portfolio. Understand and monitor risk profile and able to timely escalate to management. Enhancing quality by providing concise / transparent / pertinent decision and recommendations.
In carrying out these duties, the jobholder must be fully aware of the need to meet customer requirements and the overall effect of the marketplace on the credit process.
To ensure regular up-scaling of own knowledge and capabilities.
Responsible to provide guidance and directions to the coverage Regions & Centres to ensure credit standards issued by internal Credit policies & guidance must be always followed.
Must also be prepared to stand firm despite heavy pressure to change opinion, albeit must not be totally inflexible. Strive towards a balanced risk-based approach not exposing the HSBC Group to unnecessary risk.
Responsible to ensure appropriate balance i