Your responsibilities will include:

• Underwriting loan applications independently: analyzing quantitative and qualitative data across eCommerce, SaaS, and SMB borrowers.
• Owning the customer-facing deal motion: leading diligence calls with prospective borrowers, co-piloting active negotiations with AEs, providing real-time eligibility and structuring guidance, and supporting the sales team on complex or competitive applications from first touch through close.
• Monitoring portfolio health: supporting ongoing covenant monitoring, delinquency tracking, and portfolio review processes.
• Contributing to credit standards: supporting drafting and refinement of underwriting guidelines, risk rating frameworks, and policy documentation.
• Working cross-functionally: partnering with Sales, Product, Engineering, and Data Science to improve the underwriting process, customer experience, and credit infrastructure.

We are looking for a candidate with 5+ years of credit or underwriting experience in Fintech, SMB, or commercial lending, with meaningful customer-facing experience. You should have strong credit fundamentals, direct deal experience, and a builder mindset. Cross-functional fluency and exposure to regulated lending or institutional credit frameworks are a plus.

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The Opportunity – Vice President/Director, Relationship Banking As our business continues to grow, we are looking for an experienced professional to join our HSBC Innovation Banking Technology Banking Practice in New York. This is an exciting opportunity to help grow the business in the Innovation market and to partner with the next generation of builders.

The role is focused on building deep relationships with the founders and CEOs of new and scaling technology companies. The team is focused on companies in the Technology and Innovation Sectors, and you should have relevant experience in and a passion for the space.

By working closely with these teams, you will build trusted relationships with these companies, leveraging HSBC's Innovation Banking platform to help them grow.

Responsibilities: Building deep, long-term relationships with the founders and finance leaders of growing technology companies Delivering the breadth and depth of the HSBC Innovation Banking Platform Developing relationships with Venture Capitalists, Advisors, and finance partners who work with companies within the Technology and Innovation Sectors Generating new business for HSBC Innovation Banking through banking products and identifying opportunities to support companies with lending and credit products Developing the HSBC Innovation Banking brand by creating and being in the market at industry events and conferences and creating high-quality media, speaking, and thought leadership opportunities Building effective internal networks within the HSBC Innovation Banking platform to enable full success in the role Providing insight into the HSBC Innovation Banking platform on key industry and company trends to ensure HSBC Innovation Banking is developing its business to meet the needs of the innovative ecosystem

Qualifications: External Strong relevant technology ecosystem experience Entrepreneurial, extremely self-motivated, and success-driven Long-term, authentic relationship-building skills and proven origination skills to build a high-quality client portfolio Preference for candidates with experience working in the venture capital and start-up ecosystem Expert Relationship Management skills with companies within the Technology and Innovation Sectors Strong finance, analysis, and commercial lending experience, including the ability to understand and negotiate credit terms Excellent all-round knowledge of banking products, including Treasury, Clearing, and Trade Finance Solutions Strong background in debt structuring and execution Passionate about technology start-ups and the venture ecosystem You should have an entrepreneurial, collaborative approach, and a flexible style that allows for the input of others. It's a must that you share the core values of HSBC Innovation Banking and be focused on long-term outcomes with a proven track record of delivering results. This role will be based in New York.

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Responsibilities:

• Conduct focused and independent analysis of credit risk to improve credit quality and reduce potential loss to the Bank.
• Perform full credit analysis (customer/industry) and support Relationship Managers in focusing more on relationship and marketing.
• Respond quickly to new business referrals and identify customer/industry business opportunities while maintaining a consistent conservative credit culture.
• Develop industry & sectoral specialization and through effective peer group analysis identify the trends of the business and bankable names for long-term relationship development.

Requirements:

• Moderate length credit and operating risk analysis skills in corporate banking fields.
• Good credit risk skills and good knowledge of corporate banking, commercial lending, investments and/or trade products and ability to interpret meaningful information from financial accounts.
• Good banking products knowledge, particularly credit related products and knowledge of credit application process preferably in corporate banking.
• In-depth understanding of the local market, vast industry-specific knowledge, including regulatory landscape.
• Proven track record of managing healthy credit portfolios; execution of solid credit analysis to support business growth and new to bank business acquisition.
• Execution of stress-testing and medium-to-complex cash-flow projections.
• Ability to maintain good quality of output under pressure condition and tight deadline, and ability to maintain a high level of intense concentration for a prolonged period.
• Proactive, well-developed interpersonal, influencing and presentation skills with highly motivated and prepared to accept challenges mindset.
• Effective communication skills - Demonstrate high degree of integrity.

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You will work closely with teams across all of HSBC, particularly our colleagues in Innovation Lending, Relationship Advisors, Product Advisors, and internal operations to provide a streamlined banking experience for the client. You will also provide insight into the HSBC Innovation Banking platform on key industry and company trends to ensure HSBC Innovation Banking is developing its business to meet the needs of the innovative ecosystem.

As a successful candidate, you will have extensive technology ecosystem experience, entrepreneurial spirit, and strong relationship management skills. You will also have a preference for candidates with experience working in the venture capital and start-up ecosystem. A strong finance, analysis, and commercial lending experience, including the ability to understand and negotiate credit terms, is essential. Excellent all-round knowledge of banking products, including Treasury, Clearing, and Trade Finance Solutions, is also required.

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As a trusted advisor for a diverse portfolio of mid-cap corporates across Southern California and the West Coast, you will leverage your sector expertise and product knowledge to deliver innovative solutions, build enduring partnerships, and champion HSBC's commitment to being the Leading International Bank.

Key responsibilities include:

• Growing and deepening relationships with existing clients and securing new, long-term relationships aligned with HSBC's international strategy
• Serving as a consultative partner, providing insights and guidance to help clients navigate complex global markets
• Collaborating with product specialists and international RMs in Global Network Banking across 60 countries to deliver tailored solutions, increasing HSBC's share of client global wallet
• Managing credit, operational, regulatory, and other risks to safeguard client and bank interests
• Ensuring full adherence to internal and external regulations governing the business

To succeed in this role, you will have a Bachelor's degree and experience in Corporate Banking, managing mid-market or large corporate relationships. You will also have proven ability to match client needs with a wide range of solutions, including Treasury & Cash Management, Trade Finance, Foreign Exchange, and debt/financing products.

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Key responsibilities include:

• Building trusted relationships with companies, leveraging HSBC's Innovation Banking platform to help them grow
• Developing relationships with Venture Capitalists, Advisors, and finance partners who work with companies in the FinTech vertical
• Generating new business for HSBC Innovation Banking through banking products and identifying opportunities to support companies with lending and credit products
• Developing the HSBC Innovation Banking brand by creating and participating in industry events and conferences, and creating high-quality media, speaking, and thought leadership opportunities

The ideal candidate will have:

• Entrepreneurial, self-motivated, and success-driven traits
• Long-term, authentic relationship-building skills and proven origination skills to build a high-quality client portfolio
• Experience working in the venture capital and startup ecosystem
• Expert relationship management skills with companies within the Technology and Innovation sectors
• Strong finance, analysis, and commercial lending experience, including the ability to understand and negotiate credit terms
• Excellent all-around knowledge of banking products, including Treasury, Clearing, and Trade Finance Solutions
• Strong background in debt structuring and execution
• Passion for technology start-ups and the venture ecosystem

As an HSBC employee, you will have access to tailored professional development opportunities, a competitive pay and benefits package, and a welcoming and inclusive work environment.

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