Credit Manager - Director (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.

Role Summary

Is the next step in your career at SMBC Group EMEA? We’re looking for a Director for our Credit Department (CD) to join our team. 

SUMMARY OF ROLE

Exercising Credit Officer level delegated authority, with appropriate skill and judgement.

Review and challenge within a Level 2 function of designated Front offices of credit applications, based upon implementing the bank’s Risk Appetite Framework.

ESSENTIALS OF THE ROLE 

Lead the interaction with Front Office (FO)’s on all transactions reviewed with very high independence & oversight by MD on strategic / policy matters only.

Manage requests and approvals arising from the Structured Finance portfolio including evaluation, challenge and recommendation/approval in relation to FO proposed waivers, annual reviews, credit monitoring/grading

Lead, manage and develop a team of junior credit officers, and contribute to the development of the Structured Finance team within CD, to ensure that it supports the Business Strategy of EU and EMEA.

CANDIDATE REQUIREMENTS

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.

Business Area

Structured Finance, e.g. Project Finance, Asset Finance (Real Estate, Ship, Aircraft), Acquisition, etc.

Position Description

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.

Manage requests and approvals arising from the structured finance portfolio.

Support and develop FO and more junior team members including identification of development needs and on the job training.

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!!