VP Credit Risk Review

We are currently seeking an experienced professional to join our team in the role of VP Credit Risk Review.

Role purpose

Credit Risk Review Examiners plan and conduct reviews of wholesale credit portfolios. Examiners examine in detail a representative sample of portfolio clients. For each reviewed client, examiners read relevant internal credit approval memoranda as well as the client’s public financial disclosures, press releases, external rating agency opinions, among other materials. Based on the information reviewed, examiners develop independent assessments of the appropriate risk rating for the reviewed clients and record their analyses and conclusions in a workpaper database. The examiners’ written analyses must be concise but thorough and may be subject to review by external bank examiners.

Between formal reviews, Examiners independently monitor credit trends in individually assigned industry or geography-based wholesale portfolios and record their observations in monitoring journals. Credit Risk Review maintains an ongoing relationship with internal stakeholders responsible for credit approval, client credit management and credit policy. Examiners also interact periodically with external bank examiners.

In addition to having a comprehensive understanding of credit analysis principles, Examiners should be broadly familiar with risk characteristics and exposure metrics for the array of credit products, including traditional loan products and securitization structures.

Main activities:

• As examiner-in-charge, lead a team of Credit Risk Review officers in reviews of wholesale credit portfolios. This includes chairing all meetings associated with planning, initial kick-off, reviewing and presenting findings, and formal closing. It also includes coordinating the assembly of review files, ongoing communications with the business, reviewing workpapers written by other team members, drafting the final report, and supervising the archiving of all relevant documents.
• As examiner, participating in reviews led by other team members. This includes reviewing assigned client files, recording analyses and conclusions in the workpaper database, and participating actively in all review meetings.
• Continuous monitoring includes quarterly Risk Assessments to appropriately position and rank portfolios based on risk parameters that will inform portfolio review cycle.
• Serve as an information resource on risk rating policy and risk analysis for business and credit officers, who may call to seek advice. Also field calls from bank examiners on particular portfolios, credits recently reviewed, policy matters, credit system questions, etc.

Requirements

• Extensive credit experience analyzing industrial corporations and/or financial institutions in one or more of the following roles: credit/loan review, corporate lending, counterparty risk management, credit approval, workout, risk rating analysis or regulatory supervision (OCC, Fed, etc.).
• Demonstrated strong analytical and report writing skills
• Persuasive verbal communications with peers, senior and junior stakeholders and regulators
• Planning, project leadership, and teamwork skills
• Proficient in Microsoft Office applications.
• Bachelors degree or equivalent at minimum; graduate degree a plus.

You’ll achieve more when you join HSBC!

At HSBC we offer our colleagues a greater number of days so that they can fully enjoy their wedding, take care of the new member of the family, or grieve the loss of a family member. Our paid leave package is at the forefront in Mexico, now you have one more reason to be HSBC and proudly live a culture of well-being, balance and care.

HSBC is an equal opportunity employer committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and, opportunities to grow within an inclusive and diverse environment. We encourage applications from all suitably qualified persons irrespective of, but not limited to, their gender or genetic information, sexual orientation, ethnicity, religion, social status, medical care leave requirements, political affiliation, people with disabilities, color, national origin, veteran status, etc., We consider all applications based on merit and suitability to the role.

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