Senior Commercial Direct Relationship Manager - HSBC - Miami, Florida - EXPIRED
Posted on: 01-21-2020 in Miami, Florida
This is an archive of an expired job.
Job Information:
Company: HSBC
North America-United States-Florida-Miami
Our
Commercial Direct global network offers comprehensive support and services to
businesses in the SME market. From expanding overseas to managing the cash and
trade flows of an established enterprise, the Commercial Direct team of
Relationship Managers and Product Specialists provides a range of end-to- end
solutions designed to help small and large businesses reach their potential.
The
Commercial Direct Relationship Manager is a phone-based position
responsible for managing customers within the managed segment with
accountability for sales, service, risk and operational delivery. The
role has a dedicated customer portfolio and will interact with customers
primarily via phone and email.
Impact
on the Business/Function
- Offer
suitable value-added advice to new and existing customers
- Attract
new customers by establishing a strong network with key local business
introducers
- Ensure
proactive and appropriate relationship building and customer contact plans
are in place for both existing and new customers
- Deliver
appropriate products and services in response to customer needs
- Uphold
credit policy and lending guidelines whilst maintaining a balanced
approach to risk management
- Keep
up-to-date on knowledge of HSBC’s international and domestic strategy,
capabilities and policies
- Keep
abreast of external factors influencing international and domestic
business e.g. economic, cultural, geographical, procedural and regulatory
requirements
- Work
with product partners such as Payments and Cash Management (PCM), Trade
and Insurance to assess needs of international and domestic customers and
offer appropriate solutions
- Protect
the bank’s assets and reputation by performing due diligence on the
customers and their businesses, monitoring for suspicious
activity/transactions and taking appropriate action as per the operating
policies
Customers
/ Stakeholders
- Work
in partnership with colleagues across the HSBC Group to improve
connectivity, deliver exceptional standards and quality of service across
all interactions with (prospective) customer or other professionals
- Take
prompt and appropriate action to address customer complaints at the first
point of contact
- Assist
in the delivery of solutions that are appropriate to meet customer needs
and improve customer engagement
- Be
an ambassador for HSBC and develop the bank’s profile in the local
business community
- Ensure
fairness in all aspects of strategy, product design and delivery, sales
processes, customer literature and correspondence, financial promotions,
administration and complaint handling
- Enhance
the Bank’s image in the marketplace by building strong relationships with
(prospective) customers and third parties (e.g. accountants, lawyers,
trade advisors etc.)
- Ensure
early identification of problems and take appropriate action to protect
customers and HSBC's interests
- 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.
EXPERIENCE
- Minimum
of 2-3 years’ relevant banking experience preferably with Business Banking
or Commercial Banking clients
- Must
have relationship or portfolio management experience
- Appreciation
of a client focused environment
- Appreciation
of working in a global environment
- Developing
professional expertise and credibility within business
- Bachelor’s
Degree Required
SKILLS
- Must
have excellent verbal and written communication skills
- Must
have excellent phone and email communication 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
EEO/AA/Minorities/Women/Disability/Veterans
If you would like to notify the Diversity Recruitment team of your application or if you are simply interested in learning about opportunities at HSBC, please email
[email protected]