Description

SMBC: A trusted partner for the long term

Here at SMBC Group, we want to help you find the next step in your career so read on to discover if this opportunity is the one for you. We like to recognise potential in our people, so we welcome your application even when your experience doesn't perfectly align with the job description. Whilst we'll always strive to be better, we're proud of our inclusive culture, and encourage our applicants and colleagues to be their authentic, unique selves.

Who we are

United by a sense of purpose towards our customers - to be a trusted partner for the long-term - and our universal banking platform in EMEA, SMBC Group has an international growth agenda and award-winning products, meaning we provide exciting opportunities to work on a diverse range of projects and initiatives. We deliver a full suite of corporate finance products and solutions to our customers as well as investment banking and advisory services, and a range of innovative solutions in global capital markets. Read on to find out how you could enhance your skills and gain valuable experience, by joining us to support our clients transition to a sustainable future.

Role Summary

Is the next step in your career at SMBC Group EMEA? We're looking for an Credit Manager - Executive Director (f/m/d) for our Credit Department to join our team.

Credit & Underwriting Transactions

• Review & authorise transactions in accordance with the Credit Officer Approval Authority Policy and Portfolio Management Rules, subject to the approval limits delegated from the General Manager of Credit Department.
• Analyse Credit Applications through provision of a challenge function to FO assumptions and requests.
  • Utilise credit knowledge in assessment of transactions and assistance of FO in focussing on key issues and analysis of key risks.
  • Engage constructively with FO team in analysis of credit issues through interaction with FO, review of key due diligence and appraisal of Credit Applications.
  • Evaluate and challenge risks in legal documentation.
• Assessment of Underwrite request including evaluation of risks and propose credit strategy towards Net Take and Underwrite requests.
• Lead CD team in provision of a credit assessment of transaction with presentation to SMBC senior management/ approvers.
• Enable CD to be a reliable business partner to the Bank's chosen client set.

Credit Portfolio Management

• Manage requests and approvals arising from the Corporate Finance portfolio.
• Review credit strategy towards individual customers through assessment and challenge of annual reviews, and Special Credit Review meetings.
• Provide additional focus on all Warning and Special Credit obligors.
• Review the obligor grade, facility grade, self-assessment result proposed by FO.
• Review of files selected for self-assessment and provisioning for individual customers or credits.

Training and development

• Develop and provide training to FO and CD on grading, legal documentation and credit analysis.
• Support and develop more junior team members including identification of development needs and on the job training.

Internal discipline, Compliance

Comply with all regulatory and internal policies and procedures, regulations and guidelines.

Position Description

• Seasoned credit professional with extensive credit markets experiences leading and negotiating deals in a front office or credit role, likely to have been gained from market leading institutions, and over more than one credit cycle.
• Degree level education and / or equivalent professional qualifications (ACA, ACCA, ACT, CFA) with extensive and experience at a senior level in the financial sector.
• Strong people performance management skills, allied to a demonstrated ability to build and maintain effective teams.
• Ability to interact with and operate with the trust and respect of deal team at all levels and senior management of FO.
• Very strong numerical and financial skills with the ability to interpret financial information and review and interpret financial models including identification of drivers and potential errors.
• Ability to consider a broad enterprise-wide risk, beyond the specific credit risk issues, in assessing transaction, client and portfolio risks.

Competencies

Customer Focus
Driving Change
Driving Results
Embraces Diversity
Enterprise Leadership
Judgement and Decision Making
Risk Management
Strategic and Visionary
Trust and Integrity

What we offer

For all the expertise and experience you bring to help us make a difference, it's only sustainable if we support you to build your career and be your best self so we offer competitive company benefits, centred around promoting positive well-bring and work-life balance. We also believe in fostering a diverse and inclusive work environment, where all team members perspectives and contributions are valued. Initiatives in place which promote a diverse and inclusive culture and healthy work life balance include hybrid working, Sport & Social Clubs and Diversity and Inclusion networks.

As an employee of SMBC you have access to a host of both useful and exciting benefit offerings. See below some of the benefits on offer to you:

• Hybrid and flexible working
• Competitive paid leave days
• Benefits to support your physical wellbeing, including private medical insurance
• Various policies to support your mental wellbeing, including a robust behavioural health network with counselling and coaching services
• Access a wide range of learning and development opportunities and career progression opportunities
• Ambitious remuneration package

So, if you like a challenge and want to continuously grow and develop in a role where you will be supported along the way by a dynamic and diverse team, apply today!!

About SMBC

A trusted partner for the long term
United by a sense of purpose towards our customers - to be a trusted partner for the long-term - and our universal banking platform in EMEA, we deliver a full suite of corporate finance products and solutions to our customers, including corporate, structured and trade finance, leveraged finance, loan market and treasury products. We can also provide investment banking and advisory services and a range of innovative solutions in global capital markets.
Find out more about what we do and who we are at https://www.smbcgroup.com/emea/careers

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