Manager, Loans Management Unit

2 days ago


مصر, Egypt HSBC Full time

-Job description

**Role Purpose**:
**Duties & Responsibilities**:

- Ensuring the quality and timeliness of credit submissions.
- Consistent execution of controls for effective risk management from a legal, compliance, operational and reputational perspective.
- Assessing the level of impairment required based on discounted cash flows for customers coming into LMU and the customers already managed on a regular basis.
- Operating within the Bank’s risk appetite and ensuring that standards are maintained and that the bank’s policies and procedures are adhered to in order to achieve recovery targets and mitigate risks.
- Keeping up to date on external factors influencing business.
- 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.
- Lead where required with high levels of constructive engagement with all relevant stakeholders, namely, Service Delivery, Compliance, Legal, Operation Risk, Fraud and Regulatory compliance.
- Manage customers towards an overall objective of rehabilitating or exit as agreed.
- 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 LMU (or delinquent) customer.
- Ensure timely and reliable support to Senior Relationship Manager(s).
- 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.
- 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 Group Compliance Policy, 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 control standards and implement and observe the Group Compliance Policy, including the timely implementation of recommendations made by internal/external auditors and regulators.
Requirements

**Experience & Qualifications**:

- 5 - 7 years of corporate credit background, experience in a relationship/assistant relationship manager role with an emphasis on credit analysis.
- Strong analytical skills and familiarity with commercial banking products.
- Very good interpersonal skills, with a particular emphasis on influencing and negotiating with customers and colleagues.
- Ability to effectively plan/organize and prioritize activities
- Commercial acumen and problem solving ability
- Fluency in both spoken and written Arabic & English



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