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Sr Associate, Enterprise Software Credit Solutions

Employer
HSBC Innovation Bank
Location
London, United Kingdom
Salary
Attractive
Closing date
Dec 6, 2023

View more

Job Function
Credit Analysis
Industry Sector
Finance - General
Employment Type
Full Time
Education
Bachelors
Who are HSBC Innovation Banking?

We're the power behind the UK's forward-thinkers, future-makers and leap-takers, helping them ignite the bold ideas that reshape our world. We offer flexible banking solutions for start-ups, scale-ups, growth businesses, investors and those working towards IPO.

Whether it's comprehensive banking, managing cashflow, plans for buyouts or Strategic Fund Solutions, we power ideas at every stage of their journey. From the first-time founders to the funds that back them and everything in between. Here's to never standing still. We're proud to accelerate growth for tech and life science businesses, create meaningful connections and open a world of global opportunity for entrepreneurs and investors alike.

The Credit Solutions team is responsible for managing and developing credit relationships with clients and prospects. The team leads the deal structuring and due diligence process partnering with the Technology Banking Team on the delivery and negotiation of solutions and is responsible for proactive, robust portfolio management including maintaining credit quality.

The Senior Associate conducts due diligence and supports the structuring and delivery of credit solutions through underwriting new loans, Cash Management requests, renewals, and credit actions related to modifications or changing risk. Supports the overall lending process on new deals and modifications to existing deals, from initial analysis through documentation and closing. Reviews and analyses information and opines on clients' performance and compliance status, changing level of risk and broader trends in portfolio. Utilizes critical thinking skills in supporting VP's and Directors/MD's on both recommendations and actions pertaining to pipeline and portfolio management. Robustly completes portfolio management activity with practices that meet HSBC Innovation Banking policies/procedures in terms of timeliness, completeness, consistency and accuracy. Handles client needs by interacting with appropriate internal and external stakeholders. Develops expertise in HSBC Innovation Banking loan types and markets

Requirements
  • Bachelor's degree or equivalent related experience
  • Track record of excellent credit skills.
  • Credit analysis and accounting experience.
  • Able to contact established clients, under guidance from the Director/MD or Vice President.
  • Ability to excel in a dynamic environment
  • Ability to lead simultaneous assignments and produce results in time-sensitive circumstances.
  • Ability to take ownership of and drive processes, but also knows when to escalate or engage others
  • Works collaboratively with internal and external partners
  • Skilled at analyzing data to support and improve business decisions
  • Capable of financial modelling and analysing management accounts.
  • Able to produce a high-quality draft credit memo and leverages resources to support and verify reasoning.
  • Able to quickly dissect large amounts of information and identify key focus areas, risks, issues and questions.
  • Confident in prioritising workload, raising any issues and coordinating with colleagues to ensure all requests and deadlines are met.

Equal Employment Opportunity

We know that some people may be put off from applying for a role if they don't meet all elements of a job description. If you're in this camp but think you can make a difference to our business, then why not give us a try?

We pride ourself on our approach to workforce flexibility. Talk to us about where, when and how you want to work which will enable you to bring your 'A' game to work

HSBC Innovation Banking is an equal opportunities employer. If you need adjustments for any part of the recruitment process, please contact us at hinv.ta@hsbc.com

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