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

Credit Analyst (permanent position), TPD Maritime Finance, Transportation Department, London.

The role will support Relationship Managers of the team on various matters.

Business Area

SMBC Group is a global leader in transportation finance, including in the maritime sector.

The maritime finance team covering the EMEA and Americas regions is made up of around nineteen employees, based in London and Paris. As coverage bankers, we manage relationships with large shipping companies, and finance for them different types of strategic maritime assets such as LNG carriers, container ships, tankers, cruise ships or car carriers, through a variety of financing structures. The latter include, amongst others, green loans, sustainability-linked loans, limited recourse facilities and Japanese operating leases. 

SMBC Group is committed to addressing climate change and supports customers on this path. SMBC Group was one of the first Asian financial institutions to join the Poseidon Principles, an initiative for climate alignment measure and disclosure in shipping finance. 

Position Description

MAIN DUTIES AND RESPONSABILITIES

You will be fully integrated into the maritime finance Front Office team.

In support of the relationship managers (based in London and Paris), you will take part of:

 - Origination of new transactions, including:

• drafting of internal credit applications related to new transactions (in English);
• financial modeling relating to our existing corporate customers, prospects and projects;
• negotiation and drafting of term sheet;
• pricing and profitability calculation for new transactions;
• market analysis of various maritime assets as well as the macro-economic environment;
• preparation of commercial pitches and customer presentations.

 - Execution of new transactions, including:

• negotiation and review of legal documentation (coordination with middle and back-office teams, as well as external lawyers);
• signing process of the legal documentation;
• preparation of loan drawdown process;
• KYC (“Know your customer”) onboarding of new clients (collect documents from client, coordination with internal KYC team, and input in internal systems);

 - Portfolio monitoring of existing transactions, including:

• Preparation of annual review
• Financial analysis of corporate clients on a quarterly and annual basis;
• Waiver request processing;
• Financial covenants monitoring and verification;
• Annual KYC review;
• Update of internal key operational reporting.

 You will also participate to ad hoc and cross functional projects.

 PROFILE

• Bachelor’s degree, with at least 3 to 5 years’ experience in structured finance (ideally asset financing/shipping)
• Strong financial analysis skills and deep knowledge in financial modelling
• Good knowledge of lending structures
• Fluent English required.

 SKILLS VALUED

• Strong communication and excellent written skills
• Organisation and coordination skills
• Accuracy and reliability
• Strong interpersonal skills supporting collaboration and team work
• Ability to work with people located in different locations
• Excellent risk culture
• Flexibility and ability to work under pressure and to deliver within deadlines
• Resilience and ability to make proposals
• Supervisory skills

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!!