Assistance Vice President US Business Credit Office, Commercial Real Estate (CRE)

In compliance with applicable laws, HSBC is committed to employing only those who are authorized to work in the US. Applicants must be legally authorized to work in the U.S. as HSBC will not engage in immigration sponsorship for this position.Ready to shape credit decisions across commercial real estate and REIT clients?This Assistant Vice President role sits in the US Business Credit Office with front line credit and risk ownership across Corporate and Institutional Banking. With a focus on commercial real estate and real estate investment trusts (REITs) you’ll help translate business strategy into well-judged credit outcomes that align to risk appetite. The role combines credit writing, underwriting, financial analysis and valuation work with close partnership across relationship bankers, product teams and risk colleagues. You’ll coordinate stakeholders to deliver clear recommendations that meet internal credit policies and external regulatory expectations. Success looks like consistently high-quality credit papers, effective engagement with relationship teams and sound risk decisions that support client needs and fair customer outcomes.Credit ownership for CRE and REITsIf you want to apply your credit judgement in a role that sits close to clients and decision making this is a chance to make a visible impact. You’ll work across relationship teams, product partners and risk colleagues to shape credit outcomes in the commercial real estate and REIT sector. The work is hands-on and analytical with real accountability for quality and timeliness. If this scope matches what you’ve done and what you want to do next we’d like to hear from you.As our Assistance Vice President US , you will: Deliver credit and risk ownership including writing credit papers and forming recommendations aligned to risk appetitePerform credit analysis including modelling projections and enterprise valuation analysis for commercial real estate and REIT transactionsCoordinate closely with relationship managers, Credit Risk, global partners and product teams to support CIB prioritiesApply sector knowledge to interpret transaction risk profiles and assess commercial real estate and REIT credit fundamentalsPartner with relationship teams on credit engagement to optimise relationship value and deliver needs-based solutions and fair customer outcomesAttend client meetings as needed and act as a first point of contact for credit-related customer enquiriesFollow HSBC policies, procedures and control requirements and escalate actual or potential issues through the right channelsEmbed operational risk considerations into day-to-day decisions and ensure audit and regulatory actions are implemented on timeYoull likely have the following qualifications to succeed in this role:Bring substantial corporate and institutional banking underwriting experience in commercial real estate and REITsDemonstrate structuring and credit underwriting experience across lending and related banking productsApply a thorough understanding of commercial real estate and REIT credit and risk profiles to real transactionsProduce clear, well-reasoned credit analysis and recommendations using expert judgement within policy and regulatory requirementsEvaluate information effectively to support decision making in complex credit situationsPartner effectively with relationship managers and internal stakeholders to improve client engagement and outcomesCommunicate clearly in writing and in person with internal teams and clients on credit-related topicsPrioritise effectively across multiple deliverables while maintaining strong organisation and time managementOur 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.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 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.