Senior Audit Credit Reviewer - 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.

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 CRP Findings and Recommendations that need to be raised.
• Submit reviews to the CRP 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 CRP including SA Classification Review or DCF Review.
• Deputising for CRP in attending Special Credits Review (SCR) meetings as observer
• Supporting CRP in managing the relationship with key stakeholders in FO/CD/Risk Management (RMD) through periodic meetings and other channels.
• Cross-training / guiding staff across the different products / areas of expertise.
• Responsible for updating of internal procedures / manuals.
• Leading Branch Credit Review process and ADCR’s participation in IAD/ADIA on-site as SME for Credit. 
• Analysing and interpreting overall ADCR review results which are presented by HoA / ADCR management to the various Committees.
• Keeping up to date with industry and EU regulatory changes in relation to Credit Risk. 

Knowledge, Skills, Experience & Qualifications

• Significant credit experience in major EU or international Banks is essential to demonstrate a track record in effective credit analysis / management.  
• Strong verbal and written communication skills are essential for efficiently completing reviews, preparing reports, documenting findings, and liaising with key stakeholders and IAD/ADCR/ADIA management.
• Significant understanding of the credit risk environment relevant to the business being reviewed including management of problem assets / restructuring of corporate credits and more complex financing such as Project Finance, Shipping or Aircraft Finance. 
• Attention to detail is required to efficiently review / document work and to be able to interpret and document findings including identifying trends.
• Detailed knowledge of credit related EU regulatory requirements is desirable.

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!!