Credit Risk Controller

Miejsce pracy: Kraków

Your responsibilities

• Support the monitoring and control to address credit risk in the Bank’s activities at both the individual customer credit and portfolio level.
• To support in ensuring the customer credit portfolio is sustainable and optimising revenue, versus the potential for adverse outcomes and financial and non-financial losses.
• Ensure the Credit Policy is correctly implemented in local systems with appropriate controls in place. Ensure procedures are up-to-date and implemented.
• Support the maintenance of a sound, well-defined credit-granting criteria. Thorough understanding of the credit, its purpose and structure, and source of repayment.
• Assessment, underwriting and decision making of customer credit applications, to adequately assess the potential risks and mitigations in a transparent and explainable manner underpinned by sound credit quality in accordance with relevant policies and procedures.
• To assist the business in developing high standards of credit submissions, through training and positive/constructive feedback.
• Where appropriate, approving customer credit facility applications within the delegated approval authority (or recommending to the requisite level approval authority). Monitoring and control of credit data and information, to ensure accuracy of reporting.
• Support to oversee the performance of the business in the management of customer credit excesses. Support early remedial action on deteriorating credits, and managing problem credits.

Our requirements

• University graduate with solid understanding of financial markets and credit risk.
• Extensive experience in banking e.g. Risk, Product Control, Front Office, Middle Office.
• Core Credit and general banking skills including with credit risk, lending and security principles experience.
• Good research ability to establish arguments that are well constructed to ensure the added value to the credit and business.
• Ability to demonstrate excellent interpersonal, communication and influencing skills. Self-starter with ability to think out of the box and challenge the status quo.
• Working knowledge of Excel, Word, Access (technical formulas and VBA considered desirable) and other general administrative applications.
• Very good skills in English, French would be a plus.
• Administrative efficiency and excellent time management. Excellent attention to detail and a disciplined approach. Ability to handle multiple concurrent tasks and projects and work under pressure.

What we offer

• Competitive salary
• Annual performance-based bonus
• Additional bonuses for recognition awards
• Multisport card
• Private medical care
• Life insurance
• One-time reimbursement of home office set-up (up to 800 PLN)
• Corporate parties & events
• CSR initiatives
• Nursery discounts
• Financial support with trainings and education
• Social fund
• Flexible working hours
• Free parking

Benefits

• sharing the costs of sports activities
• private medical care
• sharing the costs of professional training & courses
• life insurance
• flexible working time
• integration events
• corporate sports team
• doctor’s duty hours in the office
• retirement pension plan
• corporate library
• no dress code
• coffee / tea
• parking space for employees
• leisure zone
• extra social benefits
• employee referral program
• opportunity to obtain permits and licenses
• charity initiatives
• family picnics
• extra leave
• In-office gym

Recruitment stages

• Online assessment
• Phone interview
• Job interview
• Welcome to HSBC!

HSBC Service Delivery (Polska) Sp. z o.o.

HSBC is one of the world’s largest banking and financial services organisations. Our global businesses serve more than 40 million customers worldwide through a network that covers 63 countries and territories.

HSBC Service Delivery (Polska) Sp. z o.o. is HSBC's global finance, operations, risk and technology centre. We use our unique expertise and capabilities to provide specialised services – our people range from technologists transforming the banking experience to operations professionals managing 1.7 trillion payments a year.

Our Purpose – Opening up a world of opportunity – explains why we exist. We are bringing together the people, ideas and capital that nurture progress and growth, helping to create a better world – for our customers, our people, our investors, our communities and the planet we all share.

Thank you for interest in HSBC..Before you apply, please note that we will take into the consideration only applications that include the following statement:.“I hereby declare that I have familiarised myself with the Privacy Statement for Applicants published at http://www.about.hsbc.pl/careers and I give my consent to use my personal data included in my application for the purposes of recruitment in HSBC Service Delivery (Polska) Sp. z o. o. according to the rules described in the Privacy Statement for Applicants, as per the Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (GDPR).”.Due to the high number of applications, we reserve the right to contact selected candidates only..In case you would like to resign from participation in the recruitment process or withdraw previously sent application, please email us at: krakow.recruitment@hsbc.com.


Location: Kraków, PL

Posted Date: 10/19/2024