Head of Special Credit Unit
4 weeks ago
**Role Purpose**:
The jobholder is part of the Loan Management Unit (LMU) function and reports into HBEG Head of Wholesale Risk.
The jobholder is responsible for the management of a set of clients, devising a strategy towards recovery of dues/mitigation of risks and Workout propositions whilst maintaining HSBC Global Standards.
The jobholder is accountable for delivery of various activities including:
- Managing the LMU portfolio of customer,
- Resolving credit related issues/operational issues and ensuring the delivery realistic action plans for debt recovery and follow-up settlement plans with customers to ensure alignment.
- To manage the LMU portfolio with the objective to align with AOP targets for provisions and recoveries..
- Contribute in monitoring, informing/recommending actions to WCR Approval team and direct manager on potential problematic customer relationships, based on WWM customer list and exception reports.
- Liaising with various stakeholders (including clients) for timely facilitation/execution of loan and security documents, and provision of relevant documentation to safeguard the banks interests (financial statements, legal documentation, asset valuations..etc)
- Liaising with Service Delivery, OPS Risk, FCC and RC as required,
- Implementation of IFRS 9 requirements in relation to the LMU portfolio
The jobholder is responsible for ensuring the quality and timeliness of credit submissions. The jobholder is also responsible for consistent execution of controls for effective risk management from a legal, compliance, operational and reputational perspective.
The jobholder will operate within the Bank’s risk appetite and is responsible for ensuring that organizational standards are maintained and that the Bank’s policies and procedures are adhered to in order to achieve recovery targets and mitigate risks.
**Impact on the Business**
- Keeping up to date on external factors influencing business e.g. economic, cultural, geographical, procedural and regulatory requirements.
- Deliver relevant aspects of the annual target with emphasis on monitoring of accounts through exception reports and financial information from customers.
- Adopt and ensure fully effective utilization of all tools and systems provided by the bank to assist in the recovery process and avoid any reliance upon manually created MI.
**Customers / Stakeholders**
- Ensure timely and reliable delivery of service to clients.
- Lead and manage high levels of constructive engagement with all relevant stakeholders, namely, CMB/GB business lines, Service Delivery, Compliance, Legal, Ops Risk, BRCM.
- Maintaining excellent communication with Group colleagues to ensure a joined up approach.
- Take personal ownership of the customer experience even though the customer is a distressed/delinquent customer.
**Leadership & Teamwork**
- Ensure clarity and accuracy when conveying information to colleagues, seniors, line management and all relevant stakeholders.
- Coordinate and contribute to meet wider team goals within deadlines.
- Share best practices with team members and develop skills.
- Demonstrate the HSBC values
**Operational Effectiveness & Control**
- Adhere to all necessary risk, credit and operational procedures.
- Adhere to structures and processes in place for the management of credit, operational, reputation and regulatory risk.
- Ensure operational losses and frauds are identified and escalated where required.
- Respond within agreed timelines to issues raised by auditors/regulators.
- Ensure timely and accurate maintenance of customer information, including KYC/KYCC/KYCS requirements.
- Resolve any/all identified issues promptly, and escalate concerns to senior management as appropriate to ensure timely awareness of any material concerns.
- Maintain and observe all HSBC control standards and implement and observe the standards and policies, including the timely implementation of recommendations made by internal/external auditors and regulators.
- Maintain awareness of operational risk within assigned segment and minimize the likelihood of it occurring including its identification, assessment, mitigation and control, loss identification and reporting.
- Protect sensitive customer and bank information by ensuring documents, computers, files, and all confidential matters are appropriately handled as set forth by policy.
- Maintain and observe all HSBC Global Standards and implement and observe the Group Compliance Policies, assuring abidance to FIMs.
- Timely completion and expansion on all mandatory training to ensure appropriate awareness and knowledge
Requirements
**Qualifications**:
- Prior experience in a similar role and/or relationship manager/credit approval role (7 -10 years)
- Strong accounting background, analytical skills and familiarity with commercial banking products and local legal and regulatory framework.
- Background in accounting and financial/credit analysis.
- Excellent interpersonal skills,
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