Credit Officer

Job description

The role of the Credit Officer is to provide credit management services, i.e. documentation, for corporate credit bases. They are responsible for ensuring ongoing maintenance of client files, minimizing defaults and bad debts of ongoing loans, generating loan impairment forecasts that support operating plan processes and monitoring and tracking of results. Role holders will carry out activities that will include most of the following:
· Perform specific routine activities and processes ensuring accuracy of tasks performed
· Identifies and escalates issues
· Ensure the quality of tasks/services provided by themselves and others, general supervision or regular process checks/ review of output by a co-worker and/or supervisor
· Apply acquired knowledge to provide assistance to others
· Understand and adhere to established policies and procedures in own team
· Support change initiatives and escalate any concerns

Your responsibilities will include:
· To contribute to the credit decision process for secured and/or unsecured lending
· To provide meaningful and constructive feedback to the frontline sales channels
· To continually consider the Financial Conduct Authority's (FCA's) principle of ‘Treating Customers Fairly' (TCF).
· To contribute to the profitability of the HSBC Group and minimize lo
· Adhere to HSBC Values and Business Principles and Behaviours.
· Establish and maintain a culture under which all staff are able to develop their skills and experience.
· To consider the operational risks associated with the role and inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings, and the impact of new technology.
· In conjunction with Compliance department, to follow the Group Compliance Policy by containing compliance risk in conjunction with the relevant compliance department. The term ‘compliance' embraces all relevant financial services laws, rules and codes with which the business has to comply.
· To adhere to and be able to demonstrate adherence to internal controls

Desired profile

Qualifications :

The ideal candidate for this role will have the below experience and qualifications:
·  Previous experience of working in a Customer Service and/or Credit environment
·  Previous experience of delivering an excellent customer service
·  An open, flexible and supportive approach to change and innovation
·  Consistently achieved objectives set for them and taken action to improve their own performance
·  Self-awareness with confidence to work independently and take responsibility for own development
·  Worked collaboratively with other colleagues, supporting them when possible
In addition to the details listed above, the ideal candidate will have a track record of:
·  An awareness of credit risk/credit principles and procedures pertaining to the approval of secured and/or unsecured lending products.
·  Knowledge of HSBC group and its operations and products.

The base location of this role will be Sheffield or Birmingham

HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment.