Credit Advisor

Vor 3 Tagen

Geneva, Schweiz HSBC Private Bank Vollzeit

Credit Advisor

Being part of HSBC in Switzerland, you’ll help evolve and grow our business.

Credit Advisor is a client facing role whose main responsibility is marketing credit to RMs and clients.

Are you interested ? Do you have a previous professional experience in credit/Lombard lending ? Do you enjoy to be part of a cohesive team ?

If you answered yes to any of these questions, we want to hear from you

What you will do:

  • Identifying, structuring, negotiating and underwriting new credit opportunities and/or
  • Managing existing portfolios, developing appropriate recommendations for credit approval, ensuring compliance with documented covenants and financial reporting requirements and/or
  • Reviewing credit limits and monitoring collateral while balancing portfolio’s risk-return
     

In this role you will:

Major Challenges

  • Establish and maintain an excellent working relationship with Relationship Managers and colleagues across the Group. Liaise with internal and external clients to ensure that their expectations are met in a timely manner and understood
  • Develop and implement credit product marketing strategies, consistent with providing sound financial private banking advice and management of risk
  • Underwrite all credit applications and annual reviews on a timely basis
  • Monitor and manage portfolio risk and meet the KRI standards
  • Ability to quickly assess and understand changes in client preferences, client appetite, as well as industry and competitor dynamics vis-à-vis credit products and solutions

Requirements

  • Previous professional experience in credit/Lombard lending.
  • Experience in credit analytics, portfolio and risk management.
  • University degree is preferred.
  • Have proven sales skills, understands what drives new business, and how to interact with clients and prospective clients to develop high quality lending opportunities 
  • Strong interpersonal skills 
  • High quality collaboration skills in a team-oriented environment
  • Ability to meet deadlines and manage relationship manager and client expectations
  • Possess excellent oral and written communication skills.  
  • Exceptional presentation skills
  • Due to immigration restrictions in Switzerland we will only be able to consider applications from Swiss or EU citizens or from candidates holding a valid Swiss work permit.

 

Even if you feel you do not meet 100% of our qualifications, we encourage you to apply, if you believe this role is right for you.

What you’ll get in return:

 Not only is HSBC a great place to work, but we also offer the following unique and exciting opportunities and benefits:

  • We’ll help you progress your career, including access to development programmes, mentoring and coaching, as well as world-class training through HSBC University.
  • You can work your way and will have a say in when, where and how you and your team flexibly work together.

Our benefits will give you financial security, and can include:

  • Health & meal allowance, public transport or (e-)bike allowance
  • Our family-focused benefits can help you to support your loved ones and include: days off for key events (weddings, moving house, adoption). A one-time marriage or registering of a "Civil Partnership" grant. One-time premium for birth or adoption, as "gift" or "voucher. 4 weeks’ paternity leave & 26 weeks’ maternity leave
  • Emergency Childcare with the Red Cross, free of charges for HSBC employees.
  • Purchased holidays scheme, unpaid leave, sabbatical, Volunteering Leave,
  • Accident insurance (private coverage) paid by the Employer, attractive Pension Scheme
  • We’ll give you a huge range of resources that support your mental, physical and social well-being, including:
  • Various sports and leisure activities organised by the employees for the employees.
  • The Bank offers to the employees and their family members specialised free, confidential service to help them deal with any personal problems – either at work or at home. Unlimited telephone consultations services available 24/7.
  • You’ll have opportunities to work internationally - this can be your place to start and branch out to anywhere we have offices
  • You’ll be able to join our Employee Resource Groups that bring together colleagues with shared characteristics and common interests.

At HSBC, our purpose is opening up a world of opportunity and by joining our team, you can be part of something bigger. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible.