Retail Business Banking Relationship Manager - Cathay
Location: Fremont, California
Internal Number: 871433
Through Retail Business Banking (RBB) our global network offers comprehensive support and services to businesses in the SME market. From expanding overseas to managing the cash and trade flows of an established enterprise, the Retail Business Banking team of Relationship Managers and Product Specialists provides a range of end-to- end solutions designed to help small businesses reach their potential.
The Retail Business Banking (RBB) Relationship Manager (RM) manages customers within the Business Banking segment, providing dedicated relationship management with accountability for sales, service, risk and operational delivery. The Relationship Management coverage is primarily through face-to-face and Direct channels (e.g. Telephone, Email, Video Conference). This role may require credit risk assessment.
The successful candidate for this role will initially join HSBC, and then is expected to join Cathay Bank in a comparable role as part of a transfer of business in late 2021 or early 2022. Please discuss this with the hiring manager if you have any questions.
Impact on the Business
Act as a Relationship Manager by offering value-added advice to customers and placing their needs at the forefront of our activity, setting world class standards
Grow sustainable revenues from existing relationships and through acquisition of new customers in line with the Bank's risk appetite and policies
Proactively develop effective strategies to manage both existing and new relationships, by anticipating customer needs and providing a superior service and products
Deliver appropriate products and services in response to customer needs
Build a network of business introducers in the local professional and business community
Uphold credit policy and lending guidelines whilst maintaining a balanced approach to risk management
Keep up-to-date on knowledge of HSBC's international and domestic strategy, capabilities and policies, and of external factors influencing international and domestic business e.g. economic, cultural, geographical, procedural and regulatory requirements
Work collaboratively with product areas such as Payments and Cash Management (PCM), Trade and Insurance, and other Group partners to assess needs of international and domestic customers and offer solutions that meet their needs
Generate quality assets through the use of appropriate risk management tools, priced appropriately for risk and in line with customer needs
Protect the bank's assets and reputation by performing due diligence on the customers and their businesses, monitoring for suspicious activity/transactions and taking appropriate action as per the operating policies
Customers / Stakeholders
Work in partnership with colleagues across the HSBC Group to improve connectivity, deliver exceptional standards and quality of service across all interactions with (prospective) customer or other professionals
Ensure fairness in all aspects of strategy, product design and delivery, sales processes, customer literature and correspondence, financial promotions, administration and complaint handling
Work with Product partners and assist in the delivery of solutions, services and products that are appropriate to meet customer needs and improve customer engagement
Be an ambassador for HSBC and develop the bank's profile in the local community, by participating in internal and external business events, road shows and seminars as required by the business
Take prompt and appropriate action to address customer complaints at the first point of contact
Ensure early identification of problems and take appropriate action to protect customers and HSBC's interests
Deliver fair outcomes for our customers and ensure own conduct maintains the orderly and transparent operation of financial markets
Build a strong relationship with the Risk Management teams in order to achieve a sustainable asset growth
Leadership & Teamwork
Support achievement of the HSBC vision, Values, goals and culture in personal behavior, actions and decision making
Provide technical leadership and support technical excellence by searching out external best practice, monitoring technical and professional developments, sharing knowledge and encouraging others to do the same in the best interests of HSBC and its customers
Encourage and enable constructive cross-country and cross-business teamwork by demonstrating collaboration and matrix management in action and challenging actions and behaviors that are not consistent with HSBC's diversity policy and/or the best interests of the business and its customers
Operational Effectiveness & Control
Develop and recommend changes and improvements to operating models, procedures and practices based on subject matter expertise and understanding of HSBC and market best practice
Communicate and adhere to HSBC policy and procedures in order to ensure good operational, financial and project management, policy and procedural compliance and early identification and effective resolution or escalation of issues that arise
Contribute to the development, implementation and maintenance of a management information, analysis and reporting framework that supports and informs timely and effective business management and decision making at all levels
Contribute to the implementation and monitoring of the application of policies, governance frameworks, procedures, practices and standards to ensure quality, effective risk management and regulatory compliance
Observation of Internal Controls
The jobholder will adhere to, and be able to demonstrate adherence to, internal controls and will implement the Group compliance policy by adhering to all relevant processes/procedures.
The term 'compliance' embraces all relevant financial services laws, rules and codes with which the business has to comply. This will be achieved by adherence to all relevant procedures, keeping appropriate records and, where appropriate, by the timely implementation of internal and external audit points, including issues raised by external regulators.
The following statement is only for roles with managerial or specific Compliance responsibilities
The jobholder will implement measures to contain compliance risk across the business area. This will be achieved by liaising with Compliance department about business initiatives at the earliest opportunity. Also and when applicable, by ensuring adequate resources are in place and training is provided, fostering a compliance culture and optimizing relations with regulators.
HSBC was born from one small idea: a local bank serving international needs. We started our business in Hong Kong in 1865. In 2015, HSBC celebrates its 150th year anniversary. Over the years, HSBC grew through expanding its branch network, offering new products and establishing its own investment banking arm.
We aim to be where the growth is, connecting customers to opportunities, enabling businesses to thrive and economies to prosper, and ultimately helping people fulfill their hopes and realize their ambitions.
• Located in 72 countries and territories
• Serving around 48 million customers
• Supported by over 268,000* people
• Head office in US is New York City
We aim to be dependable, open and connected in everything we do. We want to ensure that our employees feel able to stand up for what is right, highlight potential risks and act with integrity, even when faced with pressure to act otherwise. By doing so, we will be able to meet expectations of society, customers, regulators and investors. To make sure everybody at HSBC lives up to these values, they are a part of everyone's annual performance review.
At HSBC, you will find that we are dependable, o...pen to different ideas and cultures, and connected to customers, communities, regulators and each other. Our culture has a family feel to it – our employees are encouraged to work together to reach a common goal. This idea is supported and encouraged at the leadership level and passed down.
Our size and global reach mean more opportunities for you to grow your career with us.
We are looking for forward-thinking, driven, perceptive candidates to help our customers realise their hopes, dreams and ambitions.
This means people who are dependable, open to different ideas and cultures, and enjoy being part of a team; people who have the potential to become the future leaders of HSBC.
We encourage you to drive your own development and build your network within your office and around the world.
We provide the opportunities for you to connect with customers, colleagues and the communities in which we operate.