Senior Manager Credit Approvers

6 months ago


مصر, Egypt HSBC Full time

-Job description

**Principal Responsibilities**
- Oversee and Manage the credit quality within Wholesale Credit Risk (WCR) with particular focus on Multinationals, Large Corporate and Government related entities.
- Be a senior point of contact within WCR for the Global Banking team with regards to credit risk issues.
- Responsible for reviewing and approving credit proposal related to Large Corporates, Multinational and Governmental entities within delegated lending authority and the agreed Service Level Agreements (SLAs).
- Promotion of prudent lending principles to ensure strong asset quality and to minimize credit losses.
- Identify emerging risks through Portfolio Management strategies and initiate mitigation /de-risking strategies.
- Use experience, knowledge and share best practices to proactively guide business teams around quality of presentations and share.
- Analyze key industries and proactively work with business teams to expand within growing and stable industries while closely monitor and de-risk exposure within impacted sector.
- Engage regularly with business stakeholders to share vision, potential challenges, and working collaboratively on pipeline transaction.
- Develop and maintain a constructive relationship with other local stakeholders as Credit Services, Regulatory Compliance, Finance, Trade and Investigation,etc in addition to the regional WCR team.
- Maintain a thorough understanding of plan to safety grow lending portfolio, and ensure growth plans are aligned with bank’s credit appetite as well as group and regulatory lending guidelines.
- Provide wider contribution to other areas of the Wholesale Credit Risk team and guiding/mentoring of junior colleagues.
- To maintain HSBC internal control standards and observe group policies, and willingness to demonstrate and ensure adherence to HSBC core values.
- Identify potential operational and fraud risk issues, and proactively suggest means by which they can be addressed.
- Ensure lending decisions are in line with HSBC's Sustainability Risk policies and that reputational / Financial Crime Risks are avoided.
Requirements

**Qualifications**
- University Graduate in Business/Finance/Accounting
- Successful completion of in-house Executive Training Program or similar credit training programs.
- Over 11 years of experience in corporate banking space (front line or credit risk function) and preferably within Large Corporates and Multinationals.
- Sound knowledge on economic environment, local market conditions & business culture
- Demonstrated ability to assess risk trends, both internally and externally
- High levels maturity, resilience, sharp negotiation and communication skills
- Strong leadership skills and proven experience working with auditors, regulators and compliance.
- Demonstrated ability to build relationships with key stakeholders and senior leaders
- Proven ability to prioritize competing demands
- Good command of spoken and written English



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