Responsibilities of the Candidate:
- Provide support to the RM in delivering a relationship management service that provides value-added services and guidance to customers, prospects, and professionals
- Work with the RM to relationship manage, up to XX of the largest and most complex relationships in the Business Banking Area
- Under the guidance and direction of the RM, analyze the financial reports and MI of customers and prospective customers, preparing credit applications and customer presentations to establish and promote HSBC as the “Leading International Business” bank
- Work with the RM to develop and research a target list of prospective companies, identify customer needs, and research potential solutions from existing customers
- Act as a coordinator when the RM introduces appropriate colleagues from the product areas and other group entities to develop solutions that meet the needs of the customer
- Support the RM in winning new business
- To identify customer needs and provide solutions that will support businesses and both grow and maintain long-term customer relationships and retain existing customers
- By working with the RM to coordinate the activity of key service providers to implement a joined-up approach to identifying business prospects
- Assist the RM in preparing and having Strategic Business Conversations and completing Strategic Business Reviews to ensure that we fully understand the customer's plans and needs and provide solutions to meet these.
- Obtain, research, and analyse customer information (financial and non-financial) to prepare high-quality and professional applications for credit facilities and to meet identified customer needs.
- On behalf of the RM, undertaking the appropriate analysis and preparation of proposals, presentations, and pitches to prospective customers.
- Keep up-to-date on knowledge of HSBC’s capabilities
- Support the RM in ensuring we identify customer needs correctly
- Assist in the delivery of solutions, products, and services appropriate to meet customer need
- Help to improve customer engagement
- To treat customers fairly in all aspects of strategy, product design & delivery, sales processes, customer literature & correspondence, financial promotions, administration, and complaint handling.
- Maintain excellent communication with Group colleagues to ensure a joined-up approach to identifying cross-border opportunities where these meet customer needs
- Act as the primary point of contact for customers and colleagues in the absence of the RM
- Work as an integrated member of the team
- Act as a point of reference for internal colleagues and support both new and existing colleagues
- Work with colleagues and relevant departments as appropriate to ensure that all documents are processed promptly
- Work with the RM to promote HSBC’s global capabilities internally and, where appropriate, to external agencies such as Chambers of Commerce and other related organizations
- Prepare presentations as necessary
- Facilitate referrals from both existing customers and own network
- Work in partnership with colleagues across the HSBC network to deliver exceptional standards and quality of service
- Adhere to structures and processes in place for the management of credit, operational, reputation, and regulatory risk.
- Ensure credit and operational quality are not compromised in the pursuit of income
- Ensure operational losses and fraud are minimized
- Respond within agreed timelines to issues raised by audit and external regulators.
- Ensure timely and accurate maintenance of customer information, including KYC requirements in Group systems
- 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 minimize 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.
- 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
Requirements of the Candidate:
- Minimum Bachelor's degree / Graduation required or as required for the role whichever is higher
- At least 2 years of relevant experience working in a relationship management role
- Understanding of risk management
- Good credit knowledge.
- Analytical and financial skills.
- Ability to work without constant direction
- Good organizational and time management skills.
- Commercial awareness, including economic, cultural, procedural, and regulatory issues.
- Good working understanding of the trade cycle and business processes involved when importing and/or exporting
- Ability to interact with all levels of commercial customers
- Good interpersonal skills
- Good communication skills, both oral and written