Credit portfolio manager of the year: HSBC

Derek Saunders

Gone are the days when bank relationship managers could extend loans to their customers with little thought given to the impact on wider capital, funding and liquidity costs for the firm. Driven by regulatory changes, many banks have upped their games in recent years, providing their employees with a variety of tools and metrics to weigh-up the impact of a new loan on the entire portfolio at the point of origination, rather than leaving the credit portfolio management (CPM) team to manage and mi