19418 - CM&A - Securitised Lending Team - Assistant Vice President

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 AVP to join our team. 

The individual will act as a key analytical and operational support to senior team members, ensuring accurate data, transparent reporting, and robust process execution.

Business Area

As a junior member of the securitised lending team, the role will primarily support the financial integrity, reporting discipline, and control framework of the platform.

Position Description

1. Financial Reporting & Performance Monitoring

• Prepare and maintain regular financial and portfolio reporting for securitisation vehicles, including asset balances, cash flows, funding metrics, and performance KPIs.
• Support the production of monthly and quarterly management information, ensuring consistency across investor, internal, and risk reporting.
• Assist in analysing variance vs. budget, forecast and prior periods, with clear explanation of drivers.
• Monitor income, costs, and margins at both deal and platform level, escalating anomalies promptly.

2. Financial Controls & Reconciliations

• Perform regular balance sheet and cash reconciliations.
• Support the maintenance of robust financial control processes, including sign‑offs, checks, and audit trails.
• Assist with data validation between systems (accounting and reporting tools).
• Contribute to continuous improvement of control processes to reduce errors and manual intervention.

3. Support to Audit, Compliance & Governance

• Act as a key point of support for internal and external audits, providing financial analysis, reconciliations, and documentation.
• Assist in ensuring compliance with securitisation documentation, reporting covenants, rating agency requirements, and regulatory standards.
• Support senior team members in preparing materials for risk forums, and governance reviews.

4. Stakeholder & Process Coordination

• Liaise with internal teams (treasury, risk, accounting, legal) and external parties (trustees, administrators, servicers) to ensure timely and accurate financial information flow.
• Coordinate inputs required for management dashboards.
• Ensure deadlines are met across multiple reporting cycles with a high degree of accuracy.

5. Documentation & Process Discipline

• Maintain clear, well‑structured documentation of financial processes, models, and assumptions.
• Support efforts to standardise reporting templates and improve scalability of finance processes.
• Demonstrate strong attention to detail, accountability, and ownership of assigned reporting and control activities.

6. Cash Flow & Waterfall Analysis (Partial Focus)

• Support the calculation and review of securitisation cash flow waterfalls, including asset interest, fees, senior and mezzanine debt service, reserves, and residual cash.
• Assist in reconciling actual cash movements versus modelled expectations, identifying timing differences or structural impacts.
• Maintain clear documentation of assumptions used in cash flow calculations and reporting.

What This Role Is Not

• Not a primary origination or credit decision‑making role
• Not responsible for leading structuring or investor negotiations
• Not a purely operational processing role — judgment, analysis, and control awareness are critical

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!!