Ermito Fernandes
Network Business Specialist @HSBC
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WORK HISTORY
Network Business Specialist @HSBC
West Midlands, GB
Drive SME customer acquisition and growth by engaging key business introducers (KBIs), including accountants and local networking groups, in line with HSBC’s relationship-led approach.Support new-to-bank customers — startups and switchers — with end-to-end onboarding and tailored lending solutions to ensure long-term value creation.Collaborate with branch colleagues and internal stakeholders to generate high-quality referrals and build a strong business pipeline.Deliver structured lending support for complex borrowing needs, aligned with HSBC’s credit policies and responsible lending standards.Lead cross-functional upskilling initiatives for Universal Bankers, enhancing branch capability in SME propositions.Maintain high standards in risk awareness and mitigation, ensuring regulatory compliance and safeguarding HSBC’s reputation.Champion HSBC’s values by offering trusted financial guidance and supporting the sustainable growth of local businesses.
EDUCATION
Bhartiya Shiksha Parishad Uttar Pradesh
Bachelor of Commerce, Accounts & Bussiness Management
St. Thereza High School
Bachelor of Commerce (BCom), Accounting and Business/Management
SKILLS
ABOUT ERMITO FERNANDES
Relationship-driven commercial banking professional with 10+ years’ experience supporting SMEs and business customers across lending, credit structuring, and portfolio management. Proven success delivering HSBC’s relationship-led strategy through acquisition, development, and retention of business customers (typically £1–£10m turnover). Strong track record of growing high‑quality portfolios, providing tailored working capital and lending solutions, and acting as a trusted advisor to business owners. Adept at risk management, financial analysis, and collaborating across HSBC teams to deliver exceptional customer and regulatory outcomes.
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