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 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.
The Team You’ll Work With
The Warehouse Lending (WHL) team sits at the heart of HSBC Innovation Banking’s Structured Finance platform, providing tailored asset‑backed debt facilities to high‑growth fintechs and non‑bank lenders across the UK and Europe. We’re looking for a commercially astute and technically strong Associate to support both portfolio management and deal execution.
The Value You’ll Add
This role spans portfolio management and transaction execution within WHL. You will take responsibility for key portfolio processes and support deal qualification, structuring, and execution for existing clients and new opportunities. The role is client‑facing and requires strong stakeholder management, coordinating with internal stakeholders (including operations) and liaising with clients or prospects on transaction deliverables before, during, and after execution.
What You Can Expect To Be Doing
- Support day‑to‑day portfolio management activities, including amendment/waiver request analysis, credit renewal tracking, coordinating transaction updates, and audit responses.
- Monitor financial and asset‑level reporting across asset classes, life stages and geographies using company reporting, portfolio tools, bank accounts, and internal systems.
- For existing deals, support deal leads through the internal credit process by conducting analysis/research, drafting credit memorandums, and coordinating internal communications.
- Liaise with operations, the deal team, and clients to ensure accurate, timely drawdowns, payments, and monthly reporting.
- Help prepare periodic portfolio reviews, including analysis and presentation materials.
- Support the development and rollout of policies and operating procedures, working with operations, process enablement, business risk, and senior credit officers.
- Support transaction execution activities for both existing clients and new prospects, including due diligence and coordinating processes with clients, other lenders, and internal/external partners.
- Support the structuring, underwriting, and closing of warehouse facilities by creating credit papers, cashflow modelling, collateral analysis, term sheets, financial models, and deal structures.
Requirements
- Structured finance experience from investment or commercial banks, specialised lenders, asset managers, or rating agencies is a plus.
- A keen interest in the technology sector and venture capital/private equity transactions.
- Understanding of effective portfolio management.
- Solid understanding of credit risk.
- Comfortable working collaboratively and independently in a fast‑paced environment.
- Proven ability to manage multiple competing priorities with strong organisation and time management.
Where You’ll Be Based
Our home office in Finsbury Square, London. We offer hybrid working, allowing you to flex between home and the office, with a current requirement to be in the office two days per week.
Diversity & Inclusion
HSBC is dedicated to creating diverse and inclusive workplaces. We offer an interview to people with disabilities, long‑term conditions, or neurodivergent candidates who meet the minimum criteria for the role. If you need accommodations or changes during the recruitment process, please contact our Recruitment Helpdesk via hsbc.recruitment@hsbc.com.
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