Job Description

Job description

Some careers open more doors than others.

If you\xe2\x80\x99re looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.

Role Purpose

• Manage the Mid-office set up for Mortgages.
• Complete ownership on checking all Mortgage Applications. The applications that are logged in should be checked for correctness and accuracy.
• To be conversant with the usage of NANO Tool which provides the measure on Input Quality.
• The KYC and Financial defects should be under the agreed threshold of 3% and 20% ( While the
• KYC checks would largely rest with the AOA, the job holder is requested to perform health check on KYC).
• Checking the Post Approval Documents. All the documents that are being submitted for correctness and accuracy. The defect rates should be maintained well within the threshold.
• Tracking of Region/Branch PDD.

While the Primary responsibility of the job holder would be related to Mortgage, they will also have the additional responsibility of checking the PIL applications.

Principal Accountabilities: Key activities and decision making areas

• Facilitate the sourcing RM enabling them to achieve targets- Assisting in acquiring processing of Mortgage Application & PIL
• File and form checking for Mortgage & PIL Application
• PDD collection for Mortgage loans- To reach out to customers for pending post disbursal documents. Once done liaise with the lawyers for collecting the same.
• Ensure Input Quality is kept under control (below threshold)
• MI Management- MI agreement tracker to be properly maintained
• Maintaining Daily Report, Sales reports ( YTD / MTD ), SQ Call Tracker, PDD Submission Tracker etc
• Maintaining / Monitoring dispatch of critical documents like Legal KIT / SI / Credit File to Archival Team
• Eye sight on pending PDD / Takeover PDD submission
• Vendor Management \xe2\x80\x93 Lawyer / Valuator Dealing in exchanging initiation requests / documents
• Credit Card processing (Support to PSM)
• Facilitate the New Joiner to Enhance Product specific Knowledge.
• Maintenance and Managing MIS for Leads received from various channels.
• Ensure NIL financial error while login Salaried cases.
• Checking and login of error free Post approval disbursal documents.

Customers / Stakeholders

• Ensure a consistently high level of product and service delivery for relevant customer/sales touch points
• Develop and maintain good customer relations and ensure effective service delivery
• Extend support towards reduction in KYC errors, discrepancies
• Service Management \xe2\x80\x93 RMS request for AAPS ID Creation, PDD Submission etc.
• AOF checking and maintaining, ensuring proper completeness of forms
• Compliance with Audit requirements- KYC & NON KYC error rates

3% * Ensuring tracking of applications , resolutions till need fulfillment

• Vendor Management \xe2\x80\x93 Lawyer / Valuator registers to be updated
• Dispatch of files / PAD to PDD Team
• Coordination with internal stake holders like SD / RCS / PDD / CVM

Leadership & Teamwork

• Ensuring efficiency in technical and product processes
• Develop individual competence
• Develop a collaborative environment with all members of sales team
• Role model of HSBC Group Values, lead by demonstrating and driving value based culture that imbibes TCF principles in all spheres of RBWM Business.

Operational Effectiveness & Control

• Safeguard the bank from potential Loss/ damage.
• Monitor and implements best practices across the region
• Complete all mandatory and recommended LMS modules and assessments on time
• Attend all LDV led classroom trainings for which recommended
• Ownership of all important registers for stock & float of deliverables , Key , courier , reward vouchers & JD
• Maintaining stock of stationery, franked legal kits, and local area MIS maintenance
• Comply to all relevant AML regulations & Global Standards
• Comply with the applicable laws, regulations, Group and local policy related to Sanctions and AML policy of HSBC while undertaking various day to day operations.
• Remain alert and promptly report to the Sanctions Officer/ INM FCC office/ Line manager ( As applicable and required by the AML and sanction Policy) if a customer is found to be engaging in sanction evasion activities or violations of AML policy or any other related procedures.
• Understand the legal responsibility to be vigilant for unusual activity and reporting of the unusual activites
• Support the Country or Regional FCC AML Office/ AML Investigations by providing additional information when required
• Responsible for attending and successfully completing the AML and Sanctions related assigned training in the mandated timeframe
• Understanding the consequences of failing to attend or successfully complete the training as mandated by the AML Education Lead FCC;
• Requesting additional AML training that you deem necessary or appropriate to perform your jobs through your entity manager
• Demonstrate an understanding of PEP acceptance, prohibition, CDD & EDD guidelines in order to ensure that the INM RBWM is fully compliant with the PEP LoBP.
• Understand the relatively high reputational risk that arises from any perceived weaknesses in controls in respect of substantial cash deposits or withdrawals activity, wire transfer, monetary instruments and pouch and mail

Major Challenges

Contributing to the external sales channel\xe2\x80\x99s rapid growth and achievement without compromising on the basic tenets of HSBC i.e. need based sales and adherence to the highest standards of integrity and transparency in its dealings with customers.

Role Context

The role of the Support \xe2\x80\x93 Borrowing Products is important from the perspective of the necessary support required by sales teams to drive business. The support is primarily from a monitoring / tracking point of view where the sales teams are constantly updated of the latest position in their business and accordingly interventions can be taken. This role therefore highly demands skills of co-ordination and people management.

Management of Risk

• \xc2\xb7 Adheres to processes and controls to identify and mitigate risks and ensures timely escalation of control issues and reputation risks.
• Demonstrates leadership on regulatory and compliance matters. Maintains awareness of risk and minimizes the likelihood of it occurring through its identification, assessment, mitigation and control

Observation of Internal Controls

• \xc2\xb7 Maintains HSBC internal control standards and addresses audit points and/or any issues raised by regulators in a timely manner.
• Maintains HSBC internal control standards and addresses audit points and/or any issues raised by regulators in a timely manner. Fosters a compliance culture within the team, managing compliance risk and ensuring that the necessary training is completed. Optimizes relations with regulators.

Requirements

Minimum Graduation or as required for the role, whichever is higher

University (BA) or (BS)

Two years or less

Useful Link

Link to Careers Site: Click

You\xe2\x80\x99ll achieve more at HSBC.

HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment.

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Issued by The Hongkong and Shanghai Banking Corporation Limited, India

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