Senior Associate Relationship Manager II - HSBC - United States, North America - EXPIRED
Posted on: 01-09-2020 in United States, North America
This is an archive of an expired job.
Job Information:
Company: HSBC
North America-United States-Washington-Seattle
HSBC provides financial services solutions to
Mid-Market Enterprises (MME) with sophisticated domestic and cross border
banking requirements in a variety of industry sectors all over the world.
Leveraging the strength, scope and expertise of our global product network,
HSBC is positioned as an essential partner to customers seeking to maximize
their potential internationally, offering streamlined business access to HSBC’s
international network and broad range of market leading banking products and
services.
The
Mid-Market Enterprise (MME) Relationship Support role assists Relationship
Managers (RMs) in building relationships by identifying and meeting existing
and prospective customer needs. This role is responsible for identifying
product and service opportunities, carrying out customer research, financial
and credit analysis and helping the RM prepare for customer meetings. Other
fundamental parts of the role include credit analysis, co-ordination of credit
applications or renewals and risk escalation management. In the absence of the
RM, the role holder will act as the focal point for the relationship, products
and services.
Impact
on the Business/Function
- Provide
a wide spectrum of support to the Relationship Managers (RMs) to enable
them to meet customer needs, improve client engagement and maximize
operational efficiency
- Enable
proactive client management by attending client meetings with Relationship
Manager as necessary and acting as the first point of contact for
customers on daily credit-related enquiries
- Prepare
appropriate analysis, proposals and presentations to prospective customers
- Support
the RM on day-to-day activities including client planning, pipeline
management, coordination with product partners and ensuring data and call
reports are accurately and timely updated
- Undertake
financial, credit and profitability analysis, and prepare the accounts
remarks
- Support
the RM with third party liaison, including discussions with external
lawyers and values
- Work
closely with Service Delivery and co-ordinate the end-to-end credit
process, review their deliverables and resolve issues
- Monitor
credit risk including concern lists and credit control reports, and
analyze management information
- Provide
ongoing risk monitoring in areas concerning Global Standards and
Anti-Money Laundering & Sanctions alerts, and act as an escalation
point for risk issue response
- Ensure
consistent application of Group Policy and adhere to regulatory,
financial, and legal standards to minimize business and reputational
risks
Customers
/ Stakeholders
- Become
fully involved in negotiations and pitches to clients alongside the RM to
optimize the potential value of client relationships and deliver
solutions, products and service appropriate to meet client needs and
improve engagement
- Support
the RM assigned portfolios to achieve plan whilst also ensuring
operational integrity and compliance
- Deliver
fair outcomes for our customers and ensure own conduct maintains the
orderly and transparent operation of financial markets
Leadership
& Teamwork
- Support
achievement of the HSBC vision, Values, goals and culture in personal
behavior, actions and decision making
- Provide
technical leadership and support technical excellence by searching out
external best practice, monitoring technical and professional
developments, sharing knowledge and encouraging others to do the same in
the best interests of HSBC and its customers
- Encourage
and enable constructive cross-country and cross-business teamwork by
demonstrating collaboration and matrix management in action and
challenging actions and behaviors that are not consistent with HSBC's
diversity policy and/or the best interests of the business and its
customers
Operational
Effectiveness & Control:
- Develop
and recommend changes and improvements to operating models, procedures and
practices based on subject matter expertise and understanding of HSBC and
market best practice
- Communicate
and adhere to HSBC policy and procedures in order to ensure good
operational, financial and project management, policy and procedural
compliance and early identification and effective resolution or escalation
of issues that arise
- Contribute
to the development, implementation and maintenance of a management
information, analysis and reporting framework that supports and informs
timely and effective business management and decision making at all levels
- Contribute
to the implementation and monitoring of the application of policies,
governance frameworks, procedures, practices and standards to ensure
quality, effective risk management and regulatory
compliance
Management
of Risk
- The
jobholder will ensure the fair treatment of our customers is at the heart
of everything we do, both personally and as an organization.
- This
will be achieved by consistently displaying the behaviors that form part
of the HSBC Values and culture and adhering to HSBC risk policies and
procedures, including notification and escalation of any concerns and
taking required action in relation to points raised by audit and/or
external regulators.
- The
jobholder is responsible for managing and mitigating operational risks in
their day to day operations. In executing these responsibilities, the
Group has adopted risk management and internal control structure referred
to as the ‘Three Lines of Defense’. The jobholder should ensure they
understand their position within the Three Lines of Defense, and act
accordingly in line with operational risk policy, escalating in a timely
manner where they are unsure of actions required.
- Through
the implementation the Global AML, Sanctions and ABC Policies, supporting
Guidance, and Line of Business Procedures the jobholder will make informed
decisions in accordance with the core principles of HSBC's Financial Crime
Risk Appetite.
- The
following statement is only for roles with core responsibilities in
Operational Risk Management (Risk Owner, Control Owner, Risk Steward,
BRCM, and Operational Risk Function
- The
jobholder has responsibility for overseeing and ensuring that Operational
risks are managed in accordance with the Group Standards Manual, Risk FIM,
& relevant guidelines & standards. The jobholder should
comply with the detailed expectations and responsibilities for their core
role in operational risk management through ensuring all actions take
account of operational risks, and through using the Operational Risk
Management Framework appropriately to manage those risks.
- This
will be achieved by:
- Continuously
reassessing 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.
- Ensuring
all actions take account of the likelihood of operational risk occurring,
addressing areas of concern in conjunction with Risk and relevant line
colleagues, and also by ensuring that actions resulting from points raised
by internal or external audits, and external regulators, are correctly
implemented in a timely fashion.
Observation
of Internal Controls
- The
jobholder will adhere to, and be able to demonstrate adherence to,
internal controls and will implement the Group compliance policy by
adhering to all relevant processes/procedures.
- The
term ‘compliance’ embraces all relevant financial services laws, rules and
codes with which the business has to comply. This will be achieved by
adherence to all relevant procedures, keeping appropriate records and,
where appropriate, by the timely implementation of internal and external
audit points, including issues raised by external regulators.
- The
following statement is only for roles with managerial or specific
Compliance responsibilities
- The jobholder will
implement measures to contain compliance risk across the business area. This
will be achieved by liaising with Compliance department about business
initiatives at the earliest opportunity. Also and when applicable, by ensuring
adequate resources are in place and training is provided, fostering a
compliance culture and optimizing relations with regulators
KNOWLEDGE
- Broad
knowledge of the Bank’s structures, products and services
- Appreciation
of the changing economic, social and governmental environment in U.S.
- Knowledge
of international business and various industry sectors
- Knowledge
and use of HORIS and Client Vision systems (including reporting) and
complex MI
EXPERIENCE
- Minimum
5+ years’ of experience in a client focused environment with a
demonstrated understanding of commercial lending and risk assessment.
- Commercial
Credit training
- Appreciation
of working in a global environment
- Developing
professional expertise and credibility within business
- Bachelor’s
degree
SKILLS
- Strong
‘team’ skills promoting an environment of co-operation and trust,
overcoming resistance where encountered
- Possess
analytical and financial skills
- Good
prioritizing, organizational and time management abilities
- Ability
to make decisions
- Good
verbal and written communications skills
EEO/AA/Minorities/Women/Disability/Veterans