The Commercial Real Estate Group (" CRE ") at HSBC is a dedicated national platform of experienced commercial real estate professionals offering its clients of international and domestic commercial and residential real estate investors and developers a wide and comprehensive range of debt solutions in conjunction with other product partners. The focus is on both construction loans, bridge loans and term loans across all property types in the major MSA markets of the US.
The Relationship Manager (" RM ") is primarily a client manager responsible for marketing and growing the platform nationally; originating, structuring, and closing commercial real estate loans; cross sell the Bank's product offerings; and overseeing and servicing a portfolio of deals and relationships in concert with their internal credit and service partners. They work on a team of other Relationship Managers, Portfolio Managers, Underwriters and report to a Team Leader.
Impact on the Business
Develop effective strategies to manage customer relationships, anticipate customer needs and provide a superior quality service to position HSBC as the market leader;
Broaden and deepen relationships with existing clients and win new clients in line with the overall Commercial Real Estate lending strategy;
Liaise and work with other areas and segments of the bank to ensure the best possible experience and outcomes for clients, employees and the Bank;
Ensure timely and accurate maintenance of customer information on internal bank systems;
Structure credit facilities to ensure optimum balance between customer and HSBC interests while remaining within the bounds of prudent banking;
Monitor the client portfolio regularly to ensure that the return is commensurate with the risk profile of the client. Take timely and proactive corrective action to mitigate potential losses;
Be actively involved in the professional Commercial Real Estate community;
Maintain satisfactory reports with regard to the business processes and controls from internal and external audit and governmental regulators and real estate governance and risk reviews; and
Ensure the consistent application of the HSBC policy and adherence to regulatory, financial, and legal standards to minimize business and reputational risks.
Leadership & Teamwork
Support achievement of the HSBC vision, Values, goals and culture in personal behavior, actions and decision making;
Provide technical leadership and support technical excellence by searching out external best practice, monitoring technical and professional developments, sharing knowledge and encouraging others to do the same in the best interests of HSBC and its customers; and
Encourage and enable constructive cross-country and cross-business teamwork by demonstrating collaboration and matrix management in action and challenging actions and behaviors that are not consistent with HSBC's diversity policy and/or the best interests of the business and its customers.
Operational Effectiveness and Control
Develop and recommend changes and improvements to operating models, procedures and practices based on subject matter expertise and understanding of HSBC and market best practices;
Communicate and adhere to HSBC policy and procedures in order to ensure good operational, financial and project management, policy and procedural compliance and early identification and effective resolution or escalation of issues that arise;
Contribute to the development, implementation and maintenance of customer management information, analysis and reporting framework that supports and informs timely and effective business management and decision making at all levels; and
Contribute to the implementation and monitoring of the application of Commercial Real Estate and Group policies, governance frameworks, procedures, practices and standards to ensure quality, effective risk management and regulatory compliance.
Management of Risk
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 behaviors that form part of the HSBC Values and culture and adhering to HSBC risk policies and procedures, including notification and escalation of any concerns and taking required action in relation to points raised by audit and/or external regulators;
The jobholder is responsible for managing and mitigating operational risks in their day-to-day operations. In executing these responsibilities, HSBC has adopted a risk management and internal control structure referred to as the "Three Lines of Defense". The jobholder should ensure they understand their position within the Three Lines of Defense, and act accordingly in line with operational risk policy, escalating in a timely manner where they are unsure of actions required; and
Through the implementation the Global AML, Sanctions and ABC Policies, supporting Guidance, and Line of Business Procedures the jobholder will make informed decisions in accordance with the core principles of HSBC's Financial Crime Risk Appetite.
Internal Number: 733637
HSBC was born from one small idea: a local bank serving international needs. We started our business in Hong Kong in 1865. In 2015, HSBC celebrates its 150th year anniversary. Over the years, HSBC grew through expanding its branch network, offering new products and establishing its own investment banking arm.
We aim to be where the growth is, connecting customers to opportunities, enabling businesses to thrive and economies to prosper, and ultimately helping people fulfill their hopes and realize their ambitions.
• Located in 72 countries and territories
• Serving around 48 million customers
• Supported by over 268,000* people
• Head office in US is New York City
We aim to be dependable, open and connected in everything we do. We want to ensure that our employees feel able to stand up for what is right, highlight potential risks and act with integrity, even when faced with pressure to act otherwise. By doing so, we will be able to meet expectations of society, customers, regulators and investors. To make sure everybody at HSBC lives up to these values, they are a part of everyone's annual performance review.
At HSBC, you will find that we are dependable, o...pen to different ideas and cultures, and connected to customers, communities, regulators and each other. Our culture has a family feel to it – our employees are encouraged to work together to reach a common goal. This idea is supported and encouraged at the leadership level and passed down.
Our size and global reach mean more opportunities for you to grow your career with us.
We are looking for forward-thinking, driven, perceptive candidates to help our customers realise their hopes, dreams and ambitions.
This means people who are dependable, open to different ideas and cultures, and enjoy being part of a team; people who have the potential to become the future leaders of HSBC.
We encourage you to drive your own development and build your network within your office and around the world.
We provide the opportunities for you to connect with customers, colleagues and the communities in which we operate.