Associate II - Warehouse Finance (Fintech) - HSBC Innovation Banking in London

Who are HSBC Innovation Banking?

We’re 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.

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. Here’s to never standing still. We're proud to accelerate growth for tech and life science businesses, create meaningful connections and open a world of global opportunity for entrepreneurs and investors alike.

Fantastic opportunity to join a growing business with multiple tailwinds, focus on technically rewarding transactions with EMEA’s most exciting Fintech credit originators and other balance sheet constrained companies. Existing team has a broad spectrum of skills developed from experience working at IBs, rating agencies, specialist commercial banks and Fintech loan originators. You will support the Warehouse Finance team in underwriting and managing warehouse facilities for Fintech clients in EMEA by supporting key aspects of credit analysis, transaction structuring, term sheet / legal documentation negotiation, and obtaining credit support. You will support 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 balance the needs of the bank.

Responsibilities:

•      Support 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

•      Support 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

•      Support the existing portfolio of borrowers and communicate internally to recommend and execute on responses to changing situations for clients / across the portfolio broadly

•      Work in an open and collaborative manner with other team members

•      Build client relationships in the Fintech space

Specialist Skills:

•      Financial modelling and structuring asset backed facilities

•      Ability to build cashflow models

•      Perform portfolio collateral analysis

•      Knowledge across asset classes such as invoice financing, credit cards, consumer and commercial lending is a plus

•      Experience working with early stage Fintech companies and startups is a positive

•      Ability to work with the prospects to collate required due diligence information to assess new business opportunities

•      Adept at working with large data pools to assess the quality and completeness of the information

•      Exercises judgment and authority prudently and with proper balance for the best interests of the clients and HSBC Innovation Banking

Education, Qualifications and Experience:

•      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

•      Ability to work independently in completing assigned duties

•      Take accountability for bespoke activities with limited or minimal oversight

•      Strong organizational and time management skills

•      Excellent verbal, written, and interpersonal communication skills

•      Demonstrates sound judgement and compliance with all regulatory and risk management requirements

•      A keen interest in the technology sector and venture capital / private equity transactions

Equal Employment Opportunity

We know that some people may be put off from applying for a role if they don’t meet all elements of a job description. If you’re in this camp but think you can make a difference to our business, then why not give us a try?

We pride ourselves on our approach to workforce flexibility. Talk to us about where, when and how you want to work which will enable you to bring your ‘A’ game to work

HSBC Innovation Banking is an equal opportunities employer. If you need adjustments for any part of the recruitment process, please contact us at hinv.ta@hsbc.com