At HSBC, the health and well-being of our employees remains of utmost importance. Many of our roles are permitted to work from home (in states in which HSBC is licensed to operate) until further notice. Upon resumption of normal operations, this role may be performed at our New York, New York office.
This position is responsible for generating and increasing residential mortgage lending market share, with a primary focus on the Premium Customer (i.e. premier and advance) segment, through origination of high quality residential mortgage loans within HSBC's marketing area while ensuring high customer service levels. Fosters, manages and expands relationships with Premier customer segment.
The successful candidate for this role will initially join HSBC, and then is expected to join Citizens 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
Attain individual mortgage and Premium loan production goals while maintaining Company standards related to application to funding thresholds.
Operate within annual budgeted expense guidelines, including travel and entertainment, marketing/network functions, etc.
Identify opportunities to cross-sell and/or refer HSBC specialists to provide additional financial tools and services to support client needs in pursuit of efforts to establish and/or broaden client relationship with HSBC.
Customers / Stakeholders
Develop and maintain long-term relationships with appropriate centers of influence to drive origination activities, including, but are not limited to Premier Relationship Managers, realtors, builders, attorneys, Financial Advisors and other external sources.
Counsel customers on various types of mortgage financing, choosing a program best suited to their needs; complete mortgage application, follow through to closing and resolve any problems, while ensuring salability (as applicable) and compliance with proscribed guidelines.
Leadership & Teamwork
Support, endorse and contribute to team environment in serving assigned bank branches.
Collaborate with Premier Relationship Managers, Financial Advisors, etc. to identify and deliver financial solutions to meet our customers' needs
Operational Effectiveness & Control
To implement the Group compliance policy locally by containing compliance risk in liaison with the Head of Group Compliance, Global Business Compliance Officer, Area Compliance Officer or Local Compliance Officer, ensuring adequate compliance resources and training, fostering a compliance culture and optimizing relations with regulators.
Complete other responsibilities, as assigned
Operating within a continuously changing market due to regulatory constraints.
Adapting to strategic changes implemented by HSBC
Incumbents in this role operate within a large marketing area and are not assigned to work from a specific location, rather, their office is their entire marketing area.
Incumbents in this role operate autonomously with minimal supervision.
Incumbents in this role are available to conduct business, as appropriate, on a 24/7/365 schedule
Management of Risk
Ensure compliance, operational risk controls in accordance with HSBC or regulatory standards and policies; and optimize relations with regulators by addressing any issues., The physical demands/work environment described above are representative of those that must be met by an employee to successfully perform the essential duties of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential duties.
Physical Demands/Work Environment: Very good working conditions. Little or no physical demands. Minimal handling of light materials. The physical demands/work environment described above are representative of those that must be met by an employee to successfully perform the essential duties of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential duties.
Function as the first line of defense in relation to potential fraudulent activity on the part of the customer.
Observation of Internal Controls
Maintains HSBC internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators.
An incumbent in this job/code is considered 'covered' under the Federal Reserve Bank Guidance on Sound Incentive Compensation Policies. As such, incumbents in the role can expect to abide by the required objective(s) for this role as a means to ensure Risk remains balanced and is managed appropriately.
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.