Job Description
Some career choices have more impact than others.
At HSBC we exist with the purpose of Opening up a World of Opportunity. We use our unique expertise, capabilities, breadth and perspectives to provide opportunities for our customers and colleagues through global connectivity. We bring together the people, ideas and capital that nurture progress and growth, helping to create a better world – for our customers, our people, our investors, our communities and the planet we all share.
As an HSBC employee in Australia, you’ll have access to tailored professional development opportunities, competitive pay and a range of employee benefits. These include market-leading subsidised private health cover, enhanced parental pay and support when returning to work, subsidised banking products and services, bonus leave days and wellness programs including discounted gym memberships.
Credit & Capital Management (C&CM) under Corporate and Institutional Banking are in the process of implementing a new, modern, and consistent end-to-end operating model. A key component of this operating model is the introduction of a first line credit management office, the Business Credit Office (BCO), creating a single client-facing, customer service-oriented control point for all Credit and Lending (C&L) tasks. These responsibilities include structuring, credit analysis and rating recommendations, client credit monitoring tasks, credit terms and document negotiation.
Taking on the role of BCO Manager with our Corporate Real Estate team, you will provide credit management support to the Relationship Managers (RMs) / Coverage Real Estate team, facilitating client review and renewal activities. You will also have responsibility for carrying out customer outreach, research, and both financial and credit analysis on behalf of the Relationship Managers, ensuring exemplary risk management acumen and control standards are embedded within the end-to-end Credit & Lending process. This function will be client facing and customer service orientated.
Key Responsibilities
Owning the end-to-end Credit & Lending servicing journey, ensuring a seamless and efficient process for customers and internal stakeholders.
Combining client relationship management with strong credit risk assessment and credit management capabilities ensuring the required credit quality & requisite returns on risk.
Maintaining HSBC internal control standards, including timely implementation of internal and external audit recommendations, along with addressing any issues raised by external regulators.
Engaging in constructive and consistent dialogue with risk partners, in a manner that effectively balances commercial outcomes and risk management.
Working with the BCO Team Lead (Real Estate) to ensure adequate credit risk management controls are built into the operational process and robust Market Intelligence is in place to track and measure risk against agreed thresholds.
Develop and maintain an understanding of real estate markets.
Delivery of BCO tasks as aligned with agreed objectives and key results (OKRs), Service Level Agreements (SLAs), and Key Performance Indicators (KPIs).
Requirements:
Corporate lending experience with strong analytical skills and sound credit knowledge.
Strong understanding of various financing instruments and banking products for Corporate and/or Institutional banking.
An understanding of real estate markets and valuation methodologies
Strong stakeholder management skills, with the ability to navigate complex situations and drive alignment among senior leaders.
Clear understanding of the Group credit risk principles, policies and statutory compliances
Strong commercial mindset.
Strong communication and interpersonal skills, with the ability to influence and collaborate effectively across all levels of the organisation.
A Bachelor’s degree in Business, Finance, or a related field
Preference will be given to candidates who hold Australian PR/Citizenship or New Zealand Citizenship, or who can demonstrate current unrestricted work rights in Australia without limitations.
We value different perspectives, we succeed together, collaborating across boundaries, we take responsibility, holding ourselves accountable to get things done. Through these values, HSBC is committed to building a culture where all employees are appreciated and respected and where opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow in an inclusive environment. Applications from First Nations peoples are encouraged.
Learn more about careers at HSBC Australia – https://www.hsbc.com/careers/where-we-hire/australia
Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website. Issued by HSBC Bank Australia Limited. Please note that HSBC will we never communicate to applicants via non HSBC channels such as SMS, WhatsApp or Facebook so please be careful if anyone attempts to contact you via these channels.
At HSBC we exist with the purpose of Opening up a World of Opportunity. We use our unique expertise, capabilities, breadth and perspectives to provide opportunities for our customers and colleagues through global connectivity. We bring together the people, ideas and capital that nurture progress and growth, helping to create a better world – for our customers, our people, our investors, our communities and the planet we all share.
As an HSBC employee in Australia, you’ll have access to tailored professional development opportunities, competitive pay and a range of employee benefits. These include market-leading subsidised private health cover, enhanced parental pay and support when returning to work, subsidised banking products and services, bonus leave days and wellness programs including discounted gym memberships.
Credit & Capital Management (C&CM) under Corporate and Institutional Banking are in the process of implementing a new, modern, and consistent end-to-end operating model. A key component of this operating model is the introduction of a first line credit management office, the Business Credit Office (BCO), creating a single client-facing, customer service-oriented control point for all Credit and Lending (C&L) tasks. These responsibilities include structuring, credit analysis and rating recommendations, client credit monitoring tasks, credit terms and document negotiation.
Taking on the role of BCO Manager with our Corporate Real Estate team, you will provide credit management support to the Relationship Managers (RMs) / Coverage Real Estate team, facilitating client review and renewal activities. You will also have responsibility for carrying out customer outreach, research, and both financial and credit analysis on behalf of the Relationship Managers, ensuring exemplary risk management acumen and control standards are embedded within the end-to-end Credit & Lending process. This function will be client facing and customer service orientated.
Key Responsibilities
Owning the end-to-end Credit & Lending servicing journey, ensuring a seamless and efficient process for customers and internal stakeholders.
Combining client relationship management with strong credit risk assessment and credit management capabilities ensuring the required credit quality & requisite returns on risk.
Maintaining HSBC internal control standards, including timely implementation of internal and external audit recommendations, along with addressing any issues raised by external regulators.
Engaging in constructive and consistent dialogue with risk partners, in a manner that effectively balances commercial outcomes and risk management.
Working with the BCO Team Lead (Real Estate) to ensure adequate credit risk management controls are built into the operational process and robust Market Intelligence is in place to track and measure risk against agreed thresholds.
Develop and maintain an understanding of real estate markets.
Delivery of BCO tasks as aligned with agreed objectives and key results (OKRs), Service Level Agreements (SLAs), and Key Performance Indicators (KPIs).
Requirements:
Corporate lending experience with strong analytical skills and sound credit knowledge.
Strong understanding of various financing instruments and banking products for Corporate and/or Institutional banking.
An understanding of real estate markets and valuation methodologies
Strong stakeholder management skills, with the ability to navigate complex situations and drive alignment among senior leaders.
Clear understanding of the Group credit risk principles, policies and statutory compliances
Strong commercial mindset.
Strong communication and interpersonal skills, with the ability to influence and collaborate effectively across all levels of the organisation.
A Bachelor’s degree in Business, Finance, or a related field
Preference will be given to candidates who hold Australian PR/Citizenship or New Zealand Citizenship, or who can demonstrate current unrestricted work rights in Australia without limitations.
We value different perspectives, we succeed together, collaborating across boundaries, we take responsibility, holding ourselves accountable to get things done. Through these values, HSBC is committed to building a culture where all employees are appreciated and respected and where opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow in an inclusive environment. Applications from First Nations peoples are encouraged.
Learn more about careers at HSBC Australia – https://www.hsbc.com/careers/where-we-hire/australia
Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website. Issued by HSBC Bank Australia Limited. Please note that HSBC will we never communicate to applicants via non HSBC channels such as SMS, WhatsApp or Facebook so please be careful if anyone attempts to contact you via these channels.
💡 Quick Summary
Seeking a career-building opportunity? The Manager Business Credit Office (BCO) - Corporate Real Estate (CIB) position is now open for candidates interested in the Real Estate sector. This role in Sydney 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 Real Estate is a plus.