Associate Corporate Banking Manager- HSBC, Oman
Open to Omani and GCC nationals only.
Job Purpose
HSBC Corporate Client Coverage consists of c. 60,000 Mastergroups and represents Commercial Banking’s (CMB) largest and more complex customers. On a per average customer revenue basis, Corporate customers are also CMB’s most profitable customers. Corporate Client Coverage provides domestic and cross-border banking solutions through a range of commercial banking products (working capital finance, short-term loans, deposits, payments etc.) in conjunction with our product specialists (e.g. Global Liquidity and Cash Management, Global Banking and Markets, Trade and Receivables Finance).
The role holder will support Relationship Managers (RMs) in building relationships by identifying and meeting existing and prospective customer needs while adhering to the Group values, business strategy, operational policies, regulatory requirements and risk management practices.
This role is responsible for identifying product and service opportunities, carrying out customer research, analysis and helping the RM prepare for customer meetings. Other fundamental parts of the role include credit analysis, coordination 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.
Principal Accountabilities: Key activities and decision making areas
Impact on the Business
• 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
• Work closely with Service Delivery and coordinate the end-to-end credit process, review their deliverables and resolve issues
• Monitor credit risk including concern lists and credit control reports, and analyse 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 optimise 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 behaviour, actions and decision making
• Take personal responsibility for understanding and agreeing performance expectations, completing the necessary mandatory training and developing the levels of capability and competence needed to be effective in the role
• Contribute to team development, effectiveness and success by sharing knowledge and good practice, working collaboratively with others to create a productive, diverse and supportive working environment.
Qualifications
Knowledge and Experience / Qualifications
Essential:
Minimum of 2-3 years of experience dealing with commercial relationships
Good level of business acumen and commercial awareness, including economic, cultural, procedural and regulatory issues
Proven ability in identifying and meeting customer needs through matching a broad range of products and services
Familiarity with commercial lending, risk assessment, trade finance experience
Excellent interpersonal skills and ability to interact and build relationships with internal and external stakeholders, including senior external stakeholders
Excellent time management, planning and organisation skills
Excellent range of communication skills, including written, verbal, and the ability to deliver compelling presentations
Strong analytical skills
Proven ability to deliver creative and flexible customer solutions.
Desirable:
Knowledge of how larger corporate clients operate in Oman
Knowledge of Trade, Global Liquidity and Cash Management (GLCM), Global Banking & Markets (GB&M), Wealth and Personal Banking, (WPB), and Global Private Banking (GPB) products and capabilities
Robust understanding of client planning methodology
Knowledge on group systems, including CARM, Client Vision, HORIS, Global Links and Deal Point will be considered as a benefit for applicants
Knowledge of CMB policies and procedures
Bachelor’s Degree in Finance, accounting or related fields.
Experience in the execution of complex credit deals for clients and close engagement with Global Banking and Markets products
Strong credit assessment skills, particularly with regard to more complex and structured facilities
Apply Here:
https://hsbc.taleo.net/careersection/external/jobdetail.ftl?lang=en_GB&job=846804
