Job Description

Job description

Opening up a world of opportunity.

We're a financial services organization serving more than 40 million customers across the globe through our Wealth & Personal Banking, Commercial Banking and Global Banking & Markets businesses.

We're here to use our unique expertise, capabilities, breadth and perspectives to open up a world of new opportunities for our customers, our people and our communities.

Commercial Banking

Our global reach and expertise help domestic and international businesses around the world unlock their potential. Our customers range from small and medium-sized firms focused primarily on their domestic markets, through to large companies operating globally. Our services include working capital, term loans, payment services and international trade facilitation.

About the role:

The jobholder is expected to acquire, retain and expand relationships with customers we want to bank within Business Banking profitably, by identifying customer needs first and then recommending appropriate solutions for the customer to consider and accept.

The jobholder's portfolio will consist of both domestic and international relationships and the role will involve managing all aspects of the relationship including the inherent credit and operational risks. The jobholder will be responsible for establishing a strong, visible profile within the business area and focusing on the delivery of the Bank's capabilities within Business Banking.

Responsibilities:

• Put customers first in all that we do and develop/increase connectivity
• Own customer engagement; ensure service excellence at all times, for all aspects of any customer, prospect or professional's interaction with HSBC.
• Optimise the potential value and profitability of existing relationships by assisting in the delivery of solutions, products and services appropriate to meet customer need and to improve customer engagement.
• Be an ambassador for HSBC and develop the bank's profile in the local business community.
• Work in partnership with colleagues across the HSBC network to deliver exceptional standards and quality of service.
• Take a proactive approach to client planning collaborating effectively with products partners and colleagues to assess customer needs and delivering appropriate solutions.
• Ensure fairness in all aspects of strategy, product design & delivery, sales processes, customer literature & correspondence, financial promotions, administration and complaint handling.
• Establish an effective dialogue/working relationship with Risk Management teams in order to build a sustainable asset portfolio.
• Participate in internal and external business events, road shows and seminars as required by the business
• Enhance the Bank's image in the marketplace to build key relationships with third parties , and in conjunction with management, establish strong relationships with HSBC customers/prospects and accountants/lawyers, Trade Advisors etc
• Ensure early identification of problem relationships and proper action to be taken on potential and existing problem accounts to protect HSBC interests
• Work as an integrated member of the Business Banking team.
• Lead, inspire and motivate junior colleagues to ensure a seamless relationship management service is delivered all customers and proactively share knowledge, experiences and best practices with junior Relationship Managers.
• Live the Group Values.
• Act as an ambassador for the team and contribute fully to its development, effectiveness and success.
• Support new and existing colleagues promoting and contributing to an engagement culture.
• Coach and provide development support to other Relationship Managers and support officers, taking a genuine interest in their progression.
• Maintain excellent communication with Group colleagues to ensure a joined up approach to identifying and capturing cross border opportunities.
• Provide active feedback to seniors on process, operations, risks etc and make recommendation as to how these can be changed to secure the customer and the bank.
• Promote an environment that supports diversity and reflects the HSBC brand.
• Adhere to structures and processes in place for the management of credit, operational, reputation and regulatory risk.
• Complete, timely, and in-depth evaluations or reviews of financial and operating risks for all credit facilities, in order to ensure usage is in accordance with approved terms and conditions.
• Ensure credit and operational quality is not compromised in the pursuit of income
• Ensure operational losses and fraud are minimised
• Respond within agreed timelines to issues raised by audit and external regulators.
• Ensure timely and accurate maintenance of customer information, including Know-Your-Client requirements in Group system
• Resolve any/all identified issues promptly, and escalate concerns to management as appropriate to ensure timely awareness of any material concerns.
• Maintain and observe all HSBC control standards and implement and observe the Group Compliance Policy, including the timely implementation of recommendations made by internal/external auditors and external regulators.
• Maintain awareness of operational risk within assigned portfolio and minimise the likelihood of it occurring including its identification, assessment, mitigation and control, loss identification and reporting.
• Protect sensitive customer and bank information by ensuring documents, computers, files, and all confidential matters are appropriately handled as set forth by policy.
• Maintain and observe all HSBC control standards and implement and observe the Group Compliance Policy, including the timely implementation of recommendations made by internal/external auditors and external regulators.
• Ensure all sales and prospecting activity documentation is complete to provide performance tracking and targeting future sales efforts.
• Liaise with direct service channels if/when appropriate to certify and deliver an outstanding service to customers.
• Compliance with and management of sales suitability risks and requirements
• Ensure all completed sales and prospecting activity documentation is appropriately completed, approved and stored to provide performance tracking, targeted future sales efforts and compliance with sales and transactional suitability guidelines and requirements
• Ensure that all employees are aware of and effectively identify and manage applicable money laundering (ML), terrorist financing (TF), sanctions and reputational risks.
• Complete other responsibilities, as assigned.

Requirements

• Total experience of 3-5 years of which 2 years in managing commercial relationships
• Knowledge of the HSBC's Business Banking products and services.
• Proven ability in identifying and meeting customer needs through a broad range of products and services.
• Proven analytical ability, with experience of credit or relationship management within the Business Banking sector.
• Proven level of business acumen and commercial awareness including economic, cultural, procedural and regulatory issues.
• Excellent interpersonal skills and ability to interact and build relationships with internal and external stakeholders.
• Proven ability to deliver customised/flexible solutions appropriate to customer needs.
• Knowledge of international trade products & services

Desirable

• Broad knowledge of HSBC's Group capabilities and Commercial Banking's proposition and product capabilities.
• Good understanding of the local and international 'Commercial' environment, with a passion for understanding a broad range of industries and businesses and a determination to keep this knowledge updated.
• Proven ability to innovate and deliver creative and flexible customer solutions.
• Ability to differentiate from the competition through the delivery of a responsive and proactive relationship management service and to engage with clients at both a strategic and transactional level.
• Excellent interpersonal skills, with a particular emphasis upon inspiring, influencing and negotiating in dealing with customers and colleagues.
• Ability to effectively plan and organise, with tenacity to drive through results.
• Entrepreneurial and innovative with a flair for solving problems.
• Excellent communication skills, as well as the ability to deliver compelling presentations.

HSBC Proud

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.

We encourage all Black people, Indigenous People of Canada and people with disabilities to self-identify in their applications. Please contact our Canada Careers mailbox ( ) with any additional inquiries or for support and reasonable accommodations during the selection process.

If this is not the ideal role for you, we invite you to so we can update you about job opportunities and career events in your area of interest. We are always looking for people with purpose and ambition who can help build the bank for the future.