These developments are important for human resource management. It has four steps. These are evaluated and then training requirements are determined. In the second step correct program is designed to perform training needs. In the last step; employees are evaluated to check the program whether it is effected or not. Generally; training program is separated into three parts.
In the first stage, previous employee is given orientation of the bank and the job. In the second stage, employee is given job specific training and in the third part employees are encouraged to achieve their personal development goals. Moreover; in the website relation between training and development and performance management is briefly mentioned. That is to say, performance management is related with achieving better organizational results.
They give feedbacks to employees by measuring their performances. As a result, they raise their business and benefit of their customers and employees. As a result of these, all information showed that the bank provides training, career and performance development for employees. And also, wage is increased once a year. According to HSBC bank, wage increses rely on work performance. If employees have good performance, they are rewarded.
These policy is designed by human resource manangement. HSBC is enable for employee another benefits such as Health Insurance, life Insurance , pension plans with corporte contribution ,transportation , loan for staff annual leave with pay. HSBC bank care about its employee not only workplace but also social life. HSBC has been employee club since There are a lot of activities for employee like countrywide, street basketball tournament, beach volleyball tournament, bowling tournaments, cultural and nature excursions, theatre and bale.
And also , human resourse department organizes developmental aktivites such as theatre course, photography course, sailing course, speech about communication. The last one is discussion part. The HSBC bank is analyzed by human resources in terms of employee categorizes such as gender , educatin, age.
Business Banking customers typically expect specialized customer service and account maintenance-related support. The Commercial Lending Group is responsible for originating loans for businesses, corporations and other non-individual borrowers. Commercial loan officers and sales representatives work with borrowers to analyze working capital, set up lines of credit and configure other more complex financial solutions to meet the long-term goals of the business.
Commercial loans can also be sourced from several borrowers syndication in cases where the loan amount and related risk is beyond what the lender is willing to assume. Common reasons for securing commercial loans include capital expenditures 'CAPEX' , equipment financing, real estate purchases, debt refinancing and business acquisitions.
The Consumer Lending Group is responsible for originating consumer loans not including mortgages. Borrower applications must be inspected and reviewed thoroughly in order to make sure that risk is managed properly. Consumer loan officers and sales representatives consult perspective borrowers on loan solutions and collect applications and related information.
The Consumer Loan Operations function receives information from borrowers and loan officers and processes the loan underwriting, closing, etc. After a loan is closed, loan servicing and customer relationship managers work with borrowers to process loan payments, change loan information and answer any questions related to their loan. Consumer loans typically include auto loans, personal loans and student loans. The Credit Cards line of business encompasses all products related to both retail and commercial credit cards.
They develop, design, issue and service credit card-related products. The Investment Banking arm works with institutional clients to develop strategic advisory assignments mergers and acquisitions , divestitures, corporate defense activities, risk management, restructurings and spin-offs, and debt and equity underwriting of public offerings and private placements domestic and cross-border transactions , as well as derivative transactions related to these activities.
Investment Banks also offer a sophisticated collection of investment services to large institutional clients - usually referred to as Prime Brokerage services. After moving up the ranks within an investment banking operation, top employees typically senior vice presidents and managing directors are responsible for managing relationships with key clients and seeking out new business opportunities for potential high-worth investors or partners.
Investment Management also sometimes referred to as 'Private Banking,' 'Wealth Management' or 'Private Wealth Management' refers to a collection of services usually rendered to high-net-worth-individuals, families or businesses. Investment management typically encompasses the coordination of a suite of services including portfolio management, estate planning, financial advisory services, retail banking, retirement planning, legal resources and tax strategies.
Large corporations may also be Investment Management customers ,but typically they would be serviced by the bank's Investment Banking group i. The Merchant Services function offers business customers a secure encrypted channel through which to process credit and debit card payments.
Banks allow businesses to deposit these payments directly into their bank accounts in a timely fashion and take a small processing fee out of each transaction. The Mortgage Lending Group is responsible for originating mortgage loans for retail i. Mortgage lending sales staff members work with borrowers to assess their eligibility and collect any personal information required to process the mortgage application W-2 forms, tax returns, account statements, etc.
If the mortgage application is approved by underwriting and closed, mortgage loan servicing and account managers work with borrowers to process mortgage payments, change account information and answer any questions related to their mortgage. The Online and Mobile Banking function develops and maintains infrastructure and applications that allow banking customers to perform electronic financial transactions such as deposits, transfers, loan applications, bill payments.
Every large banks and most small to mid-size banks offer a full suite of online and mobile banking applications for customers - most consumers expect to be able to perform simple banking transactions immediately and without human contact i. Security is of the utmost importance for Online and Mobile banking groups. Web-based attacks are common and the sensitive nature of banking account information demands strict, leading-edge electronic banking security practices.
The Treasury and Cash Management Group works with business customers to manage short-term investment strategy, cash flow and liquidity through a variety of treasury-related services, including controlled disbursements, automated clearing house ACH system setup and processing, lockbox payment processing, accounts receivable management account collections and reconciliations , investment 'sweeps,' risk management and payroll services.
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