Vice President - Enterprise Software Credit Solutions

Job description

Job description

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 team you’ll work with:

  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 Technology Banking Team on the delivery and negotiation of solutions and is responsible for proactive, robust portfolio management including maintaining credit quality.  

 

The Enterprise Software Credit Solutions team works with exciting, high-growth businesses across a broad range of sub-sectors and life-stages, from early-stage seed deals through high profile, late stage companies pre-IPO or reaching profitability.  The team works across the spectrum of HINV’s financing solutions including venture debt, late stage growth capital, working capital, and recurring revenue facilities.

The value you’ll add:

The VP II on the Enterprise Software team owns the underwriting, approval and closing process for assigned clients and prospects.  You will engage and build relationships with key client stakeholders to remain well-informed, and will be able to respond to changing circumstances while appropriately balancing client and HSBC Innovation Banking ('HINV') needs.  You’ll develop and deliver insights and points of view on loan types and credit/performance trends in sectors/sub-sectors and remain abreast of market, sector and competitive trends.  

What you can expect to be doing:

  Independently leading structuring, due diligence and negotiations with clients. 

Taking responsibility for ensuring delivery of high quality output from the team – memos, financial modelling, analytics and structuring through own work and coaching and overseeing Associates and ADP colleagues.

Partnering with Technology Banking Team, clients/prospects, Credit Admin, Legal and other internal and external stakeholders to ensure successful outcomes.  

Building and nurturing relationships with CFOs and Finance Teams, as well as the wider C-Suite where relevant. 

Accountable for managing assigned portfolio of borrowing relationships, reviewing information, evaluating risk, and engaging with clients, building relationships with appropriate stakeholders.

Developing and demonstrating subject matter expertise within the team including market, sub-sector and competitive trends, business models, lending models and making the group more scalable through optimizing how we conduct business and manage the portfolio.  

Requirements

The experience you need:

Excellent commercial credit analysis and portfolio management skills, including knowledge and application of credit policies and risk ratings.

Proven ability to lead due diligence, structuring, underwriting and documentation processes independently for all types of debt transactions.

Knowledgeable of the development of term sheets / deal structures and provides the leading role in delivery and negotiation process with the client. 

Able to engineer creative solutions to client needs.  

Ability to provide guidance to less experienced staff members, enabling them to show improved efficiency and effectiveness.  

You should be an experienced credit practitioner – comfortable and competent in product knowledge, analysis and modelling skills, credit process knowledge and execution. A proven track record in the delivery of credit solutions to clients and portfolio management is essential. 

Where you’ll be based:

Our home office in Finsbury Square, London. We offer hybrid working to all of our employees, so you can flex between home and the office.

 

Equal Employment Opportunity

HSBC Innovation Banking is an equal opportunities employer. We support inclusive practices within our assessment process. If you need any specific support or adjustments, please highlight to your Recruiter or via your application