Credit Supervision - Executive 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 an Executive Director for our Credit Department / SMBC Bank EU AG to join our team. 

SUMMARY OF ROLE

Exercising Senior credit Officer level delegated authority, with appropriate skill and judgement

Senior level review and challenge within a Level 2 function of designated Front Offices of credit applications, based upon the bank's Risk Appetite Framework.

ESSENTIALS OF THE ROLE

Extensive credit knowledge and transaction experience to provide credit risk and market risk assessment of net take and underwriting positions

To lead the interaction with Front Office on all transactions reviewed with very high independence

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

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 marketing leading institutions, and over more than one credit cycle.

Degree level education and/or equivalent professional qualifications 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, including but not limited to Project Finance, Asset Finance (Real Estate, Ship, Aircraft, etc.), Acquisition, Securitisation, etc.

Position Description

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

Senior level review and challenge within a Level 2 function of designated Front Offices (FO) of credit applications, based upon implementing the bank’s Risk Appetite Framework.

Extensive credit knowledge and transaction experience to provide credit risk and market risk assessment of net take and underwriting positions.

To lead the interaction with 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,

Attendance at Special Credit Review (“SCR”) meetings setting strategy for problem assets, and leading input into the assessment of provisions.

Lead, manage and develop a team of VP 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. 

Challenge the status quo, to build stronger control function and front office capabilities, processes and systems.

Develop and implement training to FO on all aspects of counterparty credit risk including Grading, documentation and Credit Analysis.

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!!