Description de l’emploi

At HSBC, we’re a trusted international organization with a global customer base of around 39 million customers worldwide through a network that covers 62 countries and territories. In Europe, our ambition is to become the leading international wholesale bank and we need talent like you to help us meet our ambition. Whether you want a career that could take you to the top or in an exciting new direction-we offer opportunities, support and rewards that will take you further.
The role is located in the Wholesale Credit Risk HBCE team and has Country reach due to the HBCE-wide application of the HBEU Lending Guidelines and the HBEU Wholesale BIM. The jobholder provides essential support for development of policy in the HBCE perimeter. Priorities are determined and guidance provided by the Regional Head of Wholesale Credit and the Head of Portfolio, Reporting and Regulatory Control, Wholesale Credit & Risk and the Head of Wholesale Credit, HBCE.
Maintain HSBC internal control standards, including timely implementation of internal and external audit points together with any other policy issues that are raised.
The jobholder will implement the Group compliance policy by containing compliance risk in liaison with Global Head of Compliance, Global Compliance Officer, Area Compliance Officer or Local Compliance Officer. The term ‘compliance’ embraces all relevant financial services laws, rules and codes with which the business has to comply.
This will be achieved by adhering to all relevant processes/procedures and by liaising with Compliance Department about new business initiatives at the earliest opportunity. Also and when applicable, by ensuring adequate resources are in place and training is provided, fostering a compliance culture and optimizing relations with regulators.
Provides advice and guidance to all Risk areas on policy/procedural matters
Has 1 direct report (although not formally on system currently for administrative reasons).
Also involved in solving queries for all of the HBCE Wholesale Credit related matter on a wide variety of topics to enable business lines to progress their jobs/tasks in a smooth manner.
Here in France, you’ll help evolve and grow our business.
What you’re going to do:

The jobholder assists in implementation of credit policies with guidance provided by the GSM, Credit FIMs and Risk Areas within HBCE.

The jobholder will ensure the fair treatment of our customers is at the heart of everything we do, both personally and as an organization. This will be achieved by consistently displaying the behaviours required and the values of being open, connected and dependable.

The jobholder will also continually reassess the operational risks associated with the role and inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings, and the impact of new technology.

This will be achieved by ensuring all actions take account of the likelihood of operational risk occurring.
Also by addressing any areas of concern in conjunction with line management and/or the appropriate department. To develop, maintain and communicate Wholesale Credit policy for HBCE in the light of regulatory, business and internal control requirements. This will include liaising with other areas to ensure that the policies are appropriate and agreed by relevant personnel. Also controlling approval authorities in the Region and also dealing closely with Large Exposure matters.

Impact on the Business
• Consider and review policy/procedural change together with the proper assessment of potential business impact for HBCE and associated countries. This includes reading and understanding any Regulatory policy requirements to full implementation.
• Production of timely and accurate reports
• Establish and maintain the HBCE Wholesale Lending Guidelines where appropriate.
• Establish and maintain the HBCE Wholesale BIM.
• Control of the Country Lending Guidelines/Addenda by ensuring that they are robustly reviewed and then progressed to sign-off where appropriate.
• Coordination of the HBCE LCEP. Progressing these to sign-off and dealing with Country queries in this area.
• Maintaining an overview on the internal LE reporting side (we do not produce it) but we have a high-level role in flagging up issues etc to the CRO.
• Keeping control of the dispensation process for the HBCE BIM/HBCE Lending Guidelines.
• Reviewing Credit FIM dispensations for Country Offices before agreement by Group Risk
• Assisting with other sundry dispensation requests.
• Efficient progress in agreeing change and ensuring this is communicated properly.
• No justified adverse feedback
• Adoption of principles/policy by Country Offices
• Satisfactory updating progress
• Satisfactory progress
• Good progress to sign-off
• No adverse surprises when MI is reported to committees.
• Demonstration of log/files to evidence requests and approvals.
• No adverse feedback
• No adverse feedback
Customers / Stakeholders
• Implementation of approval authority work together with providing a high level consultancy service to other areas in the HBCE Region
• Controlling the approval authority process including for all of the Country Risk Offices and the Wholesale Credit area.
• Interaction with Country Offices within HBCE to help them resolve issues and establish appropriate policies/procedures.
• Collaborate with Global Risk and other HO Departments to provide firm guidance in policy matters to HBCE.
• Leadership & Teamwork
• Develop strong working relationships within the Global Risk function (Groups, Regions, Countries) within staffing constraints.
• Guide Country Offices/Risk areas as appropriate and operate in ways that transcend regional and business boundaries.
• Share best practice with the European Risk team and use knowledge to assist them with a wide range of issues
• Reviewing FIM updates and other credit initiatives and sharing this with the Country Offices by means of a regular Credit Update.
• Communication of appropriate policies to Risk officials especially those in the HBCE offices
• Operational Effectiveness & Control
• Implementation of policy.
• Keeping control of the high-level approval authorities and reacting quickly to senior executive requests.
• Keeping control of the various manuals and ensuring that changes are properly researched, agreed with the appropriate area and a record kept.
• Keeping the BIMs up to date so that interested areas have the relevant information to undertake their business in a proper manner.

Conditions

Apply if you feel you match these skills:

• Good knowledge of general credit policy.
• Varied credit background essential to undertake the dimensions of the role
• Banking qualification highly desirable
• Interpersonal skills including the capacity to agree policies with several areas of business
• Good project planning and execution skills
• A high standard of written and verbal communication is required
• Ability to work and progress issues/matters without close supervision
• The ability to interpret and understand all types of policy quickly
• Good problem-solving skills

Even if you feel you do not fit 100% of our qualifications, we encourage you to not let this hold you back from applying if you believe this is the role for you.

What you’ll get in return:

• We’ll help you progress your career, including access to development programs, mentoring and coaching, as well as world-class training through HSBC University.
• You can work your way and will have a say in when, where and how you and your team flexibly work together.
• Our flexible benefits will give you financial security, including employer-funded pension, Holiday vouchers based on your reference tax income. Our family-focused benefits can help you to support your loved ones, including partial reimbursement of childcare costs, allowance for parents of children with disabilities, days off for key events (weddings, moving house).

• We’ll give you a huge range of resources that support your mental, physical and social well-being, including free access to Headspace app, health checks, 5 weeks paid vacation.
• You’ll have opportunities to work internationally - this can be your place to start and branch out to anywhere we have offices.
• You’ll be able to join our Employee Resource Groups that bring together colleagues with shared characteristics and common interests.