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. Were 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:
Fantastic opportunity to join a growing business with multiple tailwinds, focus on technically rewarding transactions with the UK and Europe's most exciting Fintech credit originators and other balance sheet intensive companies. Existing team has a broad spectrum of skills developed from experience working at IBs, rating agencies, specialist commercial banks and Fintech loan originators.
The value you'll add:
You will be responsible for underwriting and managing warehouse facilities for Fintech clients in the UK and Europe by leading key aspects of credit analysis, transaction structuring, term sheet / legal documentation negotiation, and obtaining credit support. You will be accountable for various activities such as data tape analysis, financial performance analysis and various due diligence processes to design and recommend deal structures that satisfy client needs whilst balancing the needs of the bank.
What you can expect to be doing:
Lead the structuring, underwriting and closing of warehouse facilities by supporting the creation of credit papers, cashflow modelling, collateral analysis, term sheets, financial models and deal structures
Manage the end:to:end process including engaging with clients/prospects, internal stakeholders, (e.g. relationship management, credit, legal) and external stakeholders (e.g. external counsel, credit partners) to ensure successful outcomes
Manage the existing portfolio of borrowers and communicate internally to recommend and execute on responses to changing situations for clients / across the portfolio broadly
Manages deal teams, comprising VPs and Associates from the team and provide oversight, knowledge share and guidance on structuring, underwriting, closing and portfolio management
Build client and investor relationships in the Fintech and alternative lending sectors
Develop, track and deliver insights into asset types, industry sectors and demonstrate thought leadership
Requirements:
Financial modelling and structuring asset backed facilities
Highly skilled at building cashflow models and performing collateral analysis
Highly competent with legal documentation
Skilled at structuring, negotiating, closing structuring asset backed facilities
Adept at working with large data pools to assess the quality and completeness of the information
Exercise judgment and authority prudently and with proper balance for the best interests of the clients and HSBC Innovation Banking
Quantitative Bachelor's degree / CFA or equivalent education, or equivalent work experience specific to this role
Structured finance experience from investment or commercial banks, specialised lenders, asset managers or rating agencies
A keen interest in the technology sector and venture capital / private equity transactions
Experience working with early:stage Fintech companies and startups is a positive
Where you'll be based:
Our home office in Finsbury Square, London. We offer hybrid working to our employees, so you can flex between home and the office.
Being open to different