Business Credit Office Manager

Overview

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Business Credit Office Manager

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HSBC Recruitment Role location : Kuala Lumpur, Malaysia. This role is within Credit & Capital Management (CCM) under Corporate and Institutional Banking (CIB). Role Purpose

The BCO (Business Credit Office) Manager provides credit management support to Relationship Managers (RMs) / Coverage and facilitates client review and renewal activities. The role carries out customer outreach, research, financial and credit analysis on behalf of RMs, ensuring exemplary risk management acumen and control standards are embedded within the end-to-end CCM process. It ensures a common, reliable, and predictable underwriting and lending process, protects the business from exposure, and responds to client borrowing needs. The role also coordinates and completes credit applications or renewals and risk escalation management. The BCO Manager reports to the BCO Team Lead and works closely with the Coverage and Transaction Support teams to provide a seamless customer experience and consistent service for all customers. The BCO Manager must be an effective collaborator and skilled stakeholder manager, capable of navigating a complex landscape to deliver exceptional outcomes for customers and stakeholders. Principal Accountabilities

Responsible for the delivery of BCO tasks in line with agreed OKRs, SLAs and KPIs Own the end-to-end Credit & Capital Management servicing journey, ensuring a seamless and efficient process for customers and internal stakeholders Combine client relationship management with strong risk assessment and management capabilities, ensuring the required credit quality & requisite returns on risk Continuously drive improvement in productivity whilst enhancing client experience Adopt technology and customer experience improvement initiatives, including alignment to a globally consistent CCM operating model Participate in deal discussions and meetings with clients or credit risk as required Strong execution and implementation ability Ability to build and maintain strong relationships across the teams, including credibility with both Business and Risk leaders Protect the Bank by acting as First Line of Defence and adhering to all controls Maintain HSBC internal control standards, including timely implementation of internal and external audit recommendations, along with addressing any issues raised by external regulators Demonstrates ability to engage in constructive and consistent dialogue with risk partners, balancing commercial outcomes and risk management Work with the BCO Team Lead to ensure adequate credit risk management controls are built into the operational process and robust MI is in place to track and measure risk against agreed thresholds Requirements

Bachelor’s degree in business, Finance, or a related field 5-8 years corporate lending experience with strong analytical skills and sound credit knowledge Strong understanding of various financing instruments and banking products for Wholesale Banking 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 organization Due to the urgent hiring need, candidates with immediate right to work locally and no relocation needed will be prioritised. You’ll achieve more when you join HSBC. HSBC is 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. 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 Malaysia Berhad

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