Job Description

If you're looking for a career where you can make a real impression, join HSBC and discover how valued you'll be.



HSBC is one of the largest banking and financial services organisations in the world, with operations in 64 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions.



We are currently seeking an experienced professional to join our team in the role of Lead Risk Officer(real Estate).



As a Lead Risk Officer (Real Estate) within the Credit Risk team you will be evaluating and judgementally approving under a significant personal approval authority lending requests from the Real Estate Finance Team across a number of Real estate asset classes including Commercial Investment/Development, Residential Build to Rent, Student Accommodation, Housebuilding, Hotels, Social Housing, Construction and Contracting companies.


We focus on creating an environment that encourages our people to speak up and do the right thing, as well as protecting our customers, the organisation, and the integrity of the financial markets in which we operate. Already an industry-leader in many respects, we want to continue setting standards and evolving to respond to strategic changes.




As an HSBC employee in the UK, you will have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution.




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In this role, you will:

Evaluate, recommend, and approve transactions and annual reviews within a personal approval authority. Ensure prudent and well-structured credit proposals to reduce credit losses. Be responsible for implementing Risk credit risk policies, procedures, and standards Assist the Senior Risk Officer by assessing the credit quality of the allocated portfolio, managing, and improving the risk profile. Supporting the commercial lending growth agenda.

To be successful in this role, you should meet the following requirements:

Proven commercial credit skills with both complex transactional and credit process management experience is essential for this role. Experience in Real Estate lending is preferred. A sound understanding of the Economic landscape and the ability to identify/translate any potential risks associated with this. General knowledge of law, accounting, and regulatory requirements. Strong communication skills - verbal and written with the ability to simplify complex information and convey it clearly is essential. Management and Leadership skills with experience of liaising with senior stakeholders. This will be required when communicating findings related to credit risk.


This role is based in Birmingham.



Opening up a world of opportunity



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:


Email: hsbc.recruitment@hsbc.com


Telephone: +44 207 832 8500