Responsable Crédit (H/F)

Job description

Description de l'emploi

At HSBC, we’re a trusted international organization with a global customer base of around 39 million customers worldwide through a network that covers 62 countries and territories. In Europe, our ambition is to become the leading international wholesale bank and we need talent like you to help us meet our ambition. Whether you want a career that could take you to the top or in an exciting new direction—we offer opportunities, support and rewards that will take you further. 
Here in France, you’ll help evolve and grow our business. 
HBCE Wholesale Credit Risk Management (WCRM) is responsible for managing credit risk for Continental Europe (including branches and subsidiaries) across different segments - from small scale Business Banking relationships through to Large Corporates, Global Banking names as well as Sovereigns and Financial Institutions. The team is working on an integrated basis across two sites, Duesseldorf (Germany) and Paris (France). Within WCRM, the MME team manages the credit risk for mid-market corporate clients. Role will report into the Head of MME HBCE.


What you’re going to do:

•    In charge of a MME client portfolio in relation to Wholesale Credit Risk related matters, with a focus on HBCE customers.
•    Be the key credit WCRM MME contact for certain countries / branches and partcipate in the MME oversight.
•    Review, recommend and approve credit applications in accordance with allocated credit authorities in a manner that enables HBCE to grow safely. Promote prudent lending principles to ensure strong asset quality and to minimise credit losses
•    Incorporate fraud, climate risks as well as reputational risks in the credit assessments
•    Ensure compliance of credit proposals with the credit risk strategy as well as with all relevant policies and procedures of the group
•    Proactively identify and highlight emerging risk issues and sub-standard credit exposures and ensure appropriate action is taken to protect the bank’s interests 
•    Engage stakeholders and internal customers regularly by understanding and sharing vision, best practice, challenges, and potential solutions; and by working collaboratively on transaction pipelines, credit guidelines, portfolio or product reviews, appetite definition and other credit risk related initiatives

Conditions

Apply if you feel you match these skills.

•    Academic qualifications in financial analysis (Business/Management schools or University education). MBA / CFA / CPA is a plus.
•    Significant experience in credit risk management of Commercial Banking customers or in related fields
•    Ability to operate in a demanding operating environment, working across all levels of the organization and understanding linkages and interdependencies.
•    Fluent English (spoken and written), German and / or French language skills a plus
•    Good understanding of HSBC overall business dynamics and knowledge of the product offering of an international bank and the related credit risks
•    Critical mind with strong analytical skills and a pronounced solutions orientation
•    Excellent communications and strong time management skills

Even if you feel you do not fit 100% of our qualifications, we encourage you to not let this hold you back from applying if you believe this is the role for you.

What you’ll get in return:

•  We’ll help you progress your career, including access to development programs, 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 flexible benefits will give you financial security, including employer-funded pension, Holiday vouchers based on your reference tax income. Our family-focused benefits can help you to support your loved ones, including partial reimbursement of childcare costs, allowance for parents of children with disabilities, days off for key events (weddings, moving house), 
•  We’ll give you a huge range of resources that support your mental, physical and social well-being, including free access to Headspace app, health checks, 5 weeks paid vacation.
•  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.