Credit Executive, Retail Credit Risk

• Company

  HSBC

• Location

  Australia-Sydney

• Remuneration

  Competitive

• Position Type

  Permanent

• Employment type

  Full time

• Updated

  25-Oct-2013

• eFC Ref no

  1254276

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See job description for details

Some careers open more doors than others. If you're looking for a career that will unlock new opportunities, join HSBC and experience the possibilities.

Global Risk is a thriving and expert risk management function supporting HSBC globally with all aspects of risk management. The team actively manages a varied and dynamic range of risk types, including: security, fraud, information security, operational, credit, compliance, regulatory, market and reputational risks. All parts of the Global Risk team use their skills, insight and integrity to handle established threats and those they see emerging, acting to protect and enable HSBC to deliver sustainable growth.

We are currently seeking an ambitious individual to join the Retail Credit Risk Underwriting team in the role of Credit Executive.

The Retail Banking and Wealth Management (RBWM) Risk Team is responsible for the development and management of HSBC's risk management framework across the majority of RBWM secured and unsecured products, supporting the business objectives, risk appetite and ensuring risk strategies are incorporated across the full credit lifecycle spectrum.

Key responsibilities:

• Process, verify and decision residential and commercial mortgage credit submissions within Delegated Limits of Authority
• Provide recommendations to Senior Credit Executives / Line Managers
• Process facility reviews / variations, temporary excess / overdraft requests
• Provide a high level service to assist RBWM Distribution Channels to achieve AOP Targets whilst maintaining a focus on risk management, compliance with bank's credit policies and legislative / regulatory requirements
• Understand the needs of internal / external customers and global business or function and build and maintain professional values based, constructive working relationships

Qualifications:

To be successful in the role you will need:

• Higher school certificate or equivalent
• Tertiary qualification preferred though not essential
• Minimum 5 years Underwriting experience within Retail Banking / Financial Services
• Strong working knowledge of analysis, decision and verification in regards to unsecured and secured loans, with a particular focus on home loans
• Strong commercial acumen coupled with proven analytical skills
• Attention to detail with excellent time management and organisational skills
• Proficient in MS Office (Word, Excel)
• The ability to understand the customer's needs and to adopt an innovative problem solving approach

You'll achieve more when you join HSBC.
www.hsbc.com.au/careers

HSBC takes pride in a diverse and inclusive working environment that sees our people benefit from mentoring, flexible working and the support of Employee Resource Network Groups. To preserve the confidentiality of all information you provide to us, we have adopted a Privacy Policy which can be viewed at hsbc.com.au.

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