Associate - Debt Finance - Consumer​/Climate​/DeepTech

Who is HSBC Innovation Banking?

HSBC Innovation Banking is the power behind the UK’s forward-thinkers, future-makers, and leap-takers, helping them ignite the bold ideas that reshape our world. We offer flexible banking solutions for start-ups, scale-ups, growth businesses, investors and those working towards IPO typically within the technology and life science sectors.

Whether it’s comprehensive banking, managing cashflow, plans for buyouts or Strategic Fund Solutions, we power ideas at every stage of their journey. From the first-time founders to the funds that back them, and everything in between. We're proud to accelerate growth for our clients, create meaningful connections and communities, and open a world of global opportunity for entrepreneurs and investors alike.

Here’s to never standing still. Come and join us!

The Credit Solutions team is responsible for managing and developing credit relationships with clients and prospects. The team leads the deal structuring and due diligence process, partnering with the Consumer Internet/Climate Tech/Deep Tech Banking Team on the delivery and negotiation of solutions and is responsible for proactive, robust portfolio management including maintaining credit quality.

As an Associate, you will conduct due diligence and support the structuring and delivery of credit solutions through underwriting new loans, Cash Management requests, renewals, and credit actions related to modifications or changing risk. You will be responsible for supporting the overall lending process on new deals and modifications to existing deals, from initial analysis through documentation and closing. You will review and analyse information, and opine on clients' performance and compliance status, changing level of risk and broader trends in portfolio.

• Analysis and underwriting for new debt facilities and amendments, and Cash Management lines, including the review and due diligence on client information and financials, supporting in structuring the deal, overall credit approval package preparation and closing
• Support proactive portfolio management by reviewing financial and other information to properly assess client situations and risk. Participate in client meetings as appropriate to gather and understand information to be able to effectively communicate updates to key stakeholders
• Loan maintenance activity – efficiently actions funding and repayment requests and queries from internal and external stakeholders relating to credit lines
• Provide coaching and guidance to ADPers on process and policy as required

• Prior related experience in a commercial credit/lending role
• Track record of consistently demonstrating excellent credit skills
• Credit analysis and accounting experience
• Prior experience in the Innovation ecosystem is a very strong advantage

Our home office in Finsbury Square, London. We offer hybrid working to our employees, so you can flex between home and the office, with a current requirement to be in the office 2 days a week.

Being open to different points of view is important for our business and the communities we serve. At HSBC, we’re dedicated to creating diverse and inclusive workplaces - no matter their gender, ethnicity, disability, religion, sexual orientation, or age. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible for everyone to be at their best.

We take pride in being a Disability Confident Leader and will offer an interview to people with disabilities, long term conditions or neurodivergent candidates who meet the minimum criteria for the role.

If you have a need that requires accommodations or changes during the recruitment process, please get in touch with our Recruitment Helpdesk:

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