Job Description
As a Lead Risk Officer (Real Estate) within the Credit Risk team you will be evaluating and judgementally approving under a significant personal approval authority lending requests from the Real Estate Finance Team across a number of Real estate asset classes including Commercial Investment/Development, Residential Build to Rent, Student Accommodation, Housebuilding, Hotels, Social Housing, Construction and Contracting companies.
We focus on creating an environment that encourages our people to speak up and do the right thing, as well as protecting our customers, the organisation, and the integrity of the financial markets in which we operate. Already an industry-leader in many respects, we want to continue setting standards and evolving to respond to strategic changes.
As an HSBC employee in the UK, you will have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution.
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In this role, you will:
Evaluate, recommend, and approve transactions and annual reviews within a personal approval authority.
Ensure prudent and well-structured credit proposals to reduce credit losses.
Be responsible for implementing Risk credit risk policies, procedures, and standards
Assist the Senior Risk Officer by assessing the credit quality of the allocated portfolio, managing, and improving the risk profile.
Supporting the commercial lending growth agenda.
To be successful in this role, you should meet the following requirements:
Proven commercial credit skills with both complex transactional and credit process management experience is essential for this role.
Experience in Real Estate lending is preferred.
A sound understanding of the Economic landscape and the ability to identify/translate any potential risks associated with this.
General knowledge of law, accounting, and regulatory requirements.
Strong communication skills – verbal and written with the ability to simplify complex information and convey it clearly is essential.
Management and Leadership skills with experience of liaising with senior stakeholders. This will be required when communicating findings related to credit risk.
We focus on creating an environment that encourages our people to speak up and do the right thing, as well as protecting our customers, the organisation, and the integrity of the financial markets in which we operate. Already an industry-leader in many respects, we want to continue setting standards and evolving to respond to strategic changes.
As an HSBC employee in the UK, you will have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution.
.
In this role, you will:
Evaluate, recommend, and approve transactions and annual reviews within a personal approval authority.
Ensure prudent and well-structured credit proposals to reduce credit losses.
Be responsible for implementing Risk credit risk policies, procedures, and standards
Assist the Senior Risk Officer by assessing the credit quality of the allocated portfolio, managing, and improving the risk profile.
Supporting the commercial lending growth agenda.
To be successful in this role, you should meet the following requirements:
Proven commercial credit skills with both complex transactional and credit process management experience is essential for this role.
Experience in Real Estate lending is preferred.
A sound understanding of the Economic landscape and the ability to identify/translate any potential risks associated with this.
General knowledge of law, accounting, and regulatory requirements.
Strong communication skills – verbal and written with the ability to simplify complex information and convey it clearly is essential.
Management and Leadership skills with experience of liaising with senior stakeholders. This will be required when communicating findings related to credit risk.
💡 Quick Summary
Seeking a career-building opportunity? The Lead Risk Officer(Real Estate) position is now open for candidates interested in the Bank Jobs sector. This role in Birmingham offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.