Audit Credit Review - Vice President (f/m/d)

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.

Position Description

• Conducting a review of credit applications to determine, based on the agreed sampling methodology, which application will require a Full File Review.
• Conducting a Full File Review of assigned credit applications to ensure accuracy of the Obligor and Facility Grades as well as Borrower’s Category (if applicable).
• Discussing issues found and raise questions with FO person in charge when clarifications are required to complete the credit reviews.
• Discussing and agreeing with the Credit Review Partner Findings and Recommendations that need to be raised.
• Submit reviews to the Credit Review Partner for approval including draft Recommendations and Other Findings.
• Undertaking the follow-up and closure of any Recommendations raised.
• Completing any other ad-hoc tasks assigned by Credit Review Partner including Self-Assessment Classification Review or DCF Review.
• Deputising for Credit Review Partner in 1) attending Special Credits Review (SCR) meetings as observer, 2) arranging and chairing periodic meetings with stakeholders.
• Cross-training of staff across the different products / areas of expertise.
• Leading Branch Credit Review process and ADCR’s participation in Internal Audit on-site as Subject Matter Expert for Credit.  
   
  Challenges:
  - The role requires knowledge of credit related rules and procedures which are specific to the Bank.
  - Negotiating and influencing skills are expected to interact with FO/CD.
  - Having a clear understanding of the different credit-related products offered by the Bank, their complexities, and risks.

Knowledge, Skills, Experience & Qualifications:

• Meaningful credit experience in major UK or international Banks is essential to demonstrate a track record in effective credit analysis / management.  
• A clear understanding of the current credit risk environment and market trends is essential.
• Knowledge of Leveraged Finance is highly desirable.
• Good communication and excellent written skills, specifically concise writing, are essential to efficiently complete reviews, prepare reports / document findings and communicate with key stakeholders and ADCR management.
• Attention to detail is required to efficiently review / document work and to be able to interpret and document findings including identifying trends.
• High level of IT literacy
• Degree level Education &/or relevant professional qualifications

Competencies

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 and life and invalidity 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!!