Credit Analyst / AVP
London, LND, GB, EC2M 2AT
SMBC: A trusted partner for the long term
Here at SMBC Group, we want to help you find the next step in your career so read on to discover if this opportunity is the one for you. We like to recognise potential in our people, so we welcome your application even when your experience doesn’t perfectly align with the job description. Whilst we’ll always strive to be better, we’re proud of our inclusive culture, and encourage our applicants and colleagues to be their authentic, unique selves.
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
Credit Analyst (AVP), Structured Finance Credit, Credit Department
The Structured Credit team is responsible for the risk evaluation of financing proposals in connection with project finance, acquisition financing (clients acquiring a stake-holding in an operational asset), asset finance (specifically aviation and maritime), real estate, securitization and derivative products.
Under supervision, the jobholder will:
- Conduct appropriate risk analysis of proposals for new business, increased lending, variations from existing terms, credit reviews and restructures.
- Assess and challenge material provided by the front office.
- Prepare highly analytical, succinct and well-articulated credit papers with recommendation to approvers.
- Proactively monitor obligors and industry sub-sectors within an assigned portfolio.
- Escalate deteriorating credits and other problem situation.
Profile of Candidate
- Degree level education &/or relevant professional qualifications preferred.
- Meaningful / relevant experience (min. 2 years) in an analytical role in a major financial institution or relevant experience with a ratings agency covering project finance &/or asset finance risk analysis.
- Good knowledge of lending structures encompassing appropriate risk factor identification, cash-flow analysis, stress-testing as well as familiarity with documentation and market trends.
- Good communication and excellent written skills for preparing succinct and well-articulated credit papers.
- High level of IT literacy,
- Sound interpersonal skills, supporting collaboration / teamwork / the Bank’s Diversity & Inclusion values.
Position Description
- Exercise sound risk assessment discipline toward new transactions and management of an assigned portfolio of assets including problem assets.
- Work with front office colleagues to ensure delivery to clients whilst maintaining high credit quality. Articulate risk perception and appetite for a transaction in line with bank policy and procedures, manage the interaction and communication with front office teams, and where necessary, attend meetings with clients, advisers and consultants, to gain a better understanding of the transaction and industry dynamics.
- Experience and capability to take a transaction from inception to approval without significant supervision.
- Flexibility to work to tight deadlines under pressure including working outside of contracted hours from time to time.
- Collaborate with other risk and compliance functions where appropriate to ensure enterprise-wide view of risk is considered.
- Assist and support colleagues in the team, particularly in times of strong workflow / staff absences, by proactively taking work to ensure a fair distribution of work.
- Develop relationships within the team: seek guidance and advice from colleagues; express well-reasoned arguments and influence senior management where and when needed; and from time to time, assist in the training of front office staff, secondees and interns.
- Willingness / flexibility to be involved in ad hoc projects supporting the strategy of Structured Credit team &/or the Department.
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!!
We recognise our role as a bank to support social change and welcome all applications, including those from groups often under-represented in financial services. We value the uniqueness of professional and personal, backgrounds and perspectives as they play a vital role in continuing the sustainable growth of our organisation. We’ll ensure reasonable adjustments to our recruitment process are offered due to a disability or long-term condition whenever requested.