Senior Manager, Commercial Banking Credit Risk

1 week ago


Mansoura, Egypt HSBC Full time

**Role Purpose**:

- Oversee and Manage the credit quality within Wholesale Credit Risk (WCR) with particular focus on SME and Middle Market (MM) within the Commercial Banking (CMB) portfolio.
- Be a senior point of contact within WCR for the CMB team with regards to credit risk issues as well as approval of credit proposals within a delegated approval authority.
- Ensuring adherence to external regulations, internal policies and procedures as well as external and internal audit requirements and implementing Group Compliance Policy and Global Standards.

**Principal Accountabilities**:
**Impact on the Business/Function**:

- Approve credit facilities (new commitments, renewals and increases) within delegated lending authority and in a timely and efficient manner while ensuring compliance to lending guidelines and HSBC policies as well regulatory guidelines.
- Identify emerging risks through Portfolio Management strategies and initiate mitigation /de-risking strategies.
- Use experience and knowledge to have a healthy dialogue with SMEs and MM teams around quality of presentations and turnaround time (TAT) to approve a credit request.
- Analyze key industries and proactively work with SMEs and MM teams to expand within growing and stable industries while closely monitor and de-risk exposure within impacted sector.

**Customers / Stakeholders**
- Maintain an appropriate and constructive relationship with relevant parties within CMB (Division Heads, RMs, Chief Control Officer )
- Improve the level of engagement with SMEs and MM teams through supporting educated change / streamlining of credit process.
- Maintain a strong and constructive relationship with the wider local risk team as well as other stakeholders like regional WCR team, local Regulatory Compliance team & Local credit services and local Finance team.

**Leadership & Teamwork**
- Drive a high performance culture in HBEG WCR and provide support/guidance to Risk colleagues.
- Improve and maintain engagement with organization and stakeholders
- Support Head of CMB Credit Approvals in managing the credit quality of SMEs and MM portfolios.

**Operational Effectiveness & Control**
- Maintaining Quality of lending portfolio by ensuring that Bank guide-lines, standards & local regulations are being adhered to at all time
- Assurance credit facilities are well-structured and aligned with group and regional credit polices as well as credit best practices.
- Ensure appropriate quality in all deliverables within the credit approval process.
- Raise any concerns of quality of presented credit proposals from Fraud angle as well as Financial Crime Risk (FCR).
- Ensure consistent adherence to actions agreed in previous internal & / or regulatory audit to avoid repeated comments as possible.
- Monitor the performance of SMEs and MM teams with regard to adherence with approval conditions and compliance with facility covenants,

**Requirements**:
**Qualifications**:

- Successful completion of in-house Executive Training Program or similar training involving comprehensive study of credit evaluation concepts including financial statement and cash flow analysis, lending rationales, financial / business / industry risk assessment, structuring of credit facilities in addition to knowledge of various banking products and credit operations.



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