Credit Specialist - Private Bank UK

If you’re looking for a career that will help you stand out, join HSBC, and fulfil your potential - whether you want a career that could take you to the top, or an exciting new direction, we offer opportunities, support and rewards that will take you further.

We’re one of the largest banking and financial services organisations in the world, with a network that covers more than 50 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people fulfil their hopes and realise their ambitions.

We are currently seeking an experienced professional to join our Private Banking business in the role of Credit Specialist to help shape bespoke, high-value lending solutions for Global High Net Worth & Ultra High Net Worth clients & their families. You’ll work side-by-side with Relationship Managers to originate, structure and execute complex credit opportunities—often secured against unique or “trophy” assets—balancing client ambition with disciplined risk management, strong governance and fair customer outcomes.

As an HSBC employee in the UK, you’ll have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution.

In this role you’ll:

• Partner with Relationship Managers to identify, structure and deliver tailored lending solutions for Ultra High Net Worth/Global Priority clients and Family Offices.
• Originate new credit opportunities through HSBC Group collaboration and external professional networks.
• Underwrite and execute complex loan and derivative structures, producing high-quality analysis, due diligence and credit submissions.
• Structure lending against bespoke assets, applying creativity where conventional solutions don’t fit.
• Negotiate legal documentation with clients and external counsel, ensuring robust and timely execution.
• Monitor collateral, review limits and manage portfolio quality, adjusting structures/ratings as risk profiles change in line with risk appetite and controls.

To be successful in this role you should meet the following requirements:

• Proven track record in developing high-quality lending opportunities and building trusted client and stakeholder relationship with High Net Worth / Ultra High Net Worth clients – essential
• Excellent working knowledge of complex lending against assets such as Hedge Funds, Private Equities and “trophy” assets including Yachts & Aircrafts
• Strong credit analysis, underwriting, portfolio management and risk judgement, with the ability to recommend appropriate structures - essential
• Confident client-facing capability with Ultra High Net Worth individuals, including handling complex requirements
• Excellent communication skills—able to simplify and present complex transactions clearly to varied audiences.
• Strong collaboration skills and the ability to work independently, manage deadlines and balance competing priorities.

Opening up a world of opportunity.

Being open to different points of view is important for our business and the communities we serve. At HSBC, we’re dedicated to creating diverse and inclusive workplaces - no matter their gender, ethnicity, disability, religion, sexual orientation, socio-economic background or age. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible for everyone to be at their best. We take pride in being a Disability Confident Leader and will offer an interview to people with disabilities, long term conditions or neurodivergent candidates who meet the minimum criteria for the role.

If you have a need that requires accommodations or changes during the recruitment process, please contact the Recruiter.