The opportunity : Credit Controller
Being part of HSBC in Switzerland, you’ll help evolve and grow our business.
Are you interested ? Do you have Credit Risk experience? Do you enjoy to be part of a cohesive team ?
If you answered yes to any of these questions, we want to hear from you!
**What you will do: **
The primary purpose of the role is to evaluate, recommend and approve transactions, exceptions and annual reviews for HSBC Private Bank Switzerland and its Guernsey Branch within a personal approval authority and to ensure prudent and well-structured credit proposals that minimise credit losses.
In this role you will:
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Assist the Head of PBRS Credit Risk in assessing on a continuous basis the credit quality of the allocated portfolio, appropriateness of Customer Risk Ratings and approved limits, as well as emerging signs of concern warrant Watch, Worry, Monitor status.
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Enforce credit risk policies and group guidelines through close collaboration with the Credit Advisory team.
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Liaise with the Wholesale Credit Risk and Group Risk teams in the UK to seek concurrence for large credit facilities including providing clear well considered and balanced credit risk recommendations to senior credit risk approvers.
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Perform second line assurance activities including the spot checks of credit advisory debtor listing/shortfall exception reports, sampling.
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Work constructively with the Business whilst demonstrating an ability to stand firm where appropriate and in the face of pressure, to ensure that the right risk/reward balance is achieved in terms of its credit activities. This requires a certain character and an ability to convince with good communication and influencing skills. It also requires the ability to understand complex deals in order to have the informed confidence that will allow the Bank’s credit risk to be managed within set boundaries.
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Ensure credit risks within Private Banking portfolios are minimised, leading to a long-term quality loan portfolio earning a satisfactory return. Understand risk profile of the lending portfolios, enhancing quality by providing concise/clear/pertinent action/recommendations.
You should apply if you have:
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Ability to work under pressure and in a context of urgent deadlines.
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Strong financial and non-financial analytical skills ideally including experience of corporate and cash flow lending, together with a good understanding of structural subordination issues and related legal risks.
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Real estate lending experience would also be an advantage.
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University degree, preferably in Finance/ Economics.
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Successful track record in Credit/Risk.
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Good understanding of private banking needs for credit products including understanding of various financial instruments and derivatives and with a global outlook.
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Capacity to work independently on specific tasks and with a strong eye for detail.
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Due to immigration restrictions in Switzerland we will only be able to consider applications from Swiss or EU citizens or from candidates holding a valid Swiss work permit.** **
* *Even if you feel you do not meet 100% of our qualifications, we encourage you to apply, if you believe this role is right for you.
** **What you’ll get in return:
** **We offer a comprehensive and competitive package of benefits usually covering healthcare, life assurance, pension, and family friendly leaves, as well as many other benefits to support your wellbeing.
HSBC operates multiple variable pay plans, to reflect the diverse nature of the businesses, roles and markets in which we operate. Variable pay is designed to reward colleagues for their individual performance and contribution, as well as the performance of their relevant Business / Infrastructure, and the overall Group.
HSBC has been certified “Top Employer 2026” in Europe. This recognition from the Top Employers Institute rewards our HR practices and recognises HSBC as an HR Leader in France, Germany, Italy, Luxembourg, Netherlands, Poland, Spain and Switzerland.
HSBC is a signatory company of the Advance Charter. This Charter is a commitment towards gender equality in business and hence a workplace environment that supports a fair and balanced approach to hiring, remunerating, promoting and retaining female talent.
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. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible for everyone to be at their best.
If you have a need that requires accommodations or changes during the recruitment process, please let us know.
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**For further information on building your career at HSBC, please visit: ** www.hsbc.com/careers ** **