Our purpose - Opening up a world of opportunity - explains why we exist. Here at HSBC we use our unique expertise, capabilities, breadth and perspectives to open up new kinds of opportunity for our more than 40 million customers. We're 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.This role manages credit risk and provides decisioning for Commercial Banking Innovation Banking, exercising delegated credit authority for credit exposure arising from new and existing clients. Ensures appropriate lending structures and controls are in place to handle inherent and unique risks in reviewed transactions. Consults with businesses regarding appropriate credit facility structuring to meet Company standards, regulatory guidelines and client needs. Reports to Head of Credit for US Innovation Banking.As our Senior Vice President Credit Officer you will:

• Provide credit approvals, ensure credit quality is maintained, provide portfolio oversight, and ensure credit policy, guidelines, and processes are followed for designated loan portfolios
• Evaluate loan application requests, including evaluation of key risk, loan structure and terms, company business plan and model, financial performance, investors, management, industry dynamics, and macro-economic factors
• Approve loan applications for the Innovation Banking division within delegated credit approval authority, ensuring adherence to all applicable credit approval policy, lending guidelines, and procedures
• Provide portfolio oversight through management of portfolio reviews, ensuring timely management of credit risk ratings, out of compliance issues, past due loans, and remediation actions
• Ensure credit quality of assigned portfolio is maintained within prescribed credit quality metrics
• Ensure compliance with Bank Credit Policy, risk appetite limits, lending guidelines, as well as adherence to all Regulatory requirements and controls
• Develop and implement credit policies, lending guidelines, and procedures for assigned areas of the Company to ensure credit process integrity and prudent management of overall credit quality. Develop and recommend strategies for problem credits in compliance with credit policy to optimize value
• Implement the Group compliance policy locally by containing compliance risk in liaison with the Head of Group Compliance, Global Business Compliance Officer
• Area Compliance Officer or Local Compliance Officer, ensuring adequate compliance resources and training, fostering a compliance culture and optimizing relations with regulators
• Maintain HSBC internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators
• Complete other responsibilities, as assigned

For this role, HSBC targets a pay range between $225,000.00 and $300,000.00

The final fixed pay offer will depend on the candidate and a number of variables, including but not limited to, role responsibilities, skill set, depth of experience and education, licensing/certification requirements, internal relativity, and specific work location.

At HSBC, our overall goal is to provide a competitive Total Reward Package, with an appropriate mix of fixed pay, and variable pay, as part of an employee's overall total compensation and benefits. Variable pay generally takes the form of discretionary, annual awards (sometimes referred to as a "bonus"). Additionally, HSBC offers a wide range of competitive and flexible benefits designed to help you improve your health and well-being, finances, and lifestyle.

Youll likely have the following qualifications to succeed in this role:

• Minimum of 10-15 years proven, progressive and broad-based experience in credit, lending and/or workout areas or equivalent with focus on pre-cash flow start-up borrowers, preferably venture debt
• Minimum of a bachelor's degree in business, finance, related field or equivalent experience
• Credit products and pertinent US regulations
• Ability to identify, evaluate and discuss credit risk
• Professional work experience in a bank
• Analytical and problem-solving skills
• Decision-making and the ability to manage conflict

In compliance with applicable laws, HSBC is committed to employing only those who are authorized to work in the U.S. Applicants must be legally authorized to work in the U.S. as HSBC will not engage in immigration sponsorship for this position.

As an HSBC employee, you will have access to tailored professional development opportunities to ensure you have the right skills for today and tomorrow. We offer a competitive pay and benefits package including a robust Wellness Hub, all in a welcoming, diverse and inclusive work environment. You will be empowered to drive HSBC's engagement with the communities we serve through an industry-leading volunteerism policy, a generous matching gift program, and a comprehensive program of immersive Sustainability and Climate Change Initiatives. You'll want to join our Employee Resource Groups as they play a central part in life at HSBC, including the development of our employees and networking inside and outside of HSBC. We value difference. We succeed together. We take responsibility. We get it done. And we want you to help us build the bank of the future!

All qualified applicants will receive consideration for employment without regard to age, ancestry, color, race, national origin, ethnicity, disability or medical condition, genetic information, military or veteran service, religion, creed, sex, gender, pregnancy, childbirth, caregiver status, marital status, citizenship or immigration status, sexual orientation, gender identity or expression or any other trait protected by applicable law.