PERM - TPD - Maritime Finance Group West - Senior Credit Analyst - Vice President

Section 1 - Details

Job Title / Corporate Title

Senior Credit Analyst / Vice President

Department / Group

Transportation Department / Maritime Finance Group West (MFGW)

Responsible to / Line Manager

This should be a role title, not a named individual.

Senior Relationship Manager (BI London)

Functionally: Co-Head of Risk & Monitoring (EU Paris)

Direct Reports

This is about scope of the role. Please include job titles and the reporting relationship.

None

Location

London

Date Prepared

MiFID Knowledge and Competence

In scope

Certification regime

NA

Section 2 – Purpose of Job

• Provide experience and senior support for deal origination, structuring and execution through transaction and in-depth credit analyses, in line with the strategy, risk appetite framework and internal control policies
• Manage risk monitoring and compliance reviews over an assigned portfolio of transactions, highlights credit concerns in advance, thereby potentially avoiding / minimizing negative credit event.
• Ensure that work is done in an efficient way and maintain a sufficient and diligent risk culture.

Section 3 – Background

• A senior credit analyst supports relationship managers in more complex, intensive or riskier transactions (new product or asset, bilateral loan, syndicated loans where we are Agent). The credit analyst works in support of a full lifecycle responsibility for counterparty credit and transactions.
• The senior credit analyst is autonomously liaising with numerous stakeholders inside and outside the bank, including but not limited to relevant departments of SMBC BI. 
• The senior credit analyst is often required to work under pressure, with tight deadlines, to product accurate and high quality output on complex transaction and provide advice on how to handle new situations

Section 4 – Facts / Scale

• MFGW is managing ca. 35 core client relationships in the EMEA and Americas maritime space
• Supporting relationship officers on a group of 5 – 10 core clients in EMEA and the Americas
• Performing risk monitoring over a portfolio of USD 500 m to USD 1 billion exposure, representing $5m to $15m of annual gross income.
• Support provided to other TPD’s teams when necessary.

Section 5 – Accountabilities & Responsibilities

• Provide senior support to Relationship Managers in originating, structuring and executing complex transactions or higher risk deals.
• Provide proposals and guidance to Relationship Managers, senior members of the team, management and stakeholders from other department for making decisions on appropriate strategies for each potential transaction.
• Provide expertise to guide team members on complex tasks or procedures and processes
• Proactively identify, follow and guide other staff on all necessary compliance and internal procedures required in order to ensure full compliance with the Bank’s procedures.
• Participate to ad hoc, cross functional projects, such as proposing changes and optimisation of the existing processes and play an active role in implementing them.
• Manage risk monitoring and compliance reviews over an assigned portfolio, and support other team members in such activities over their assigned portfolio.

Section 6 – Knowledge, Skills, Experience & Qualifications

• Strong communication and coordination skills
• Ability to work with people located in different locations
• Good knowledge of the underlying deals, assets and markets
• Accuracy and reliability
• Excellent risk culture
• Flexibility and ability to work under pressure and to deliver within deadlines
• Excellent knowledge of internal IT systems and of the bank’s organisation and procedure
• Resilience and ability to make proposals
• Supervisory skills

Section 7 – Challenges (This section is optional)

• Workload prioritisation with a risk approach given limited human resources
• Get internal consensus from various stakeholders when proposing changes in process
• Maintaining motivation of junior staff facing demanding IT systems and internal processes