Credit Review - 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

As a Vice President Credit Analyst in the Corporate Banking Department II, you will act as the first line of defence in managing credit risk for a portfolio of corporate clients. You will play a key role in assessing, structuring, and monitoring credit exposures to ensure the bank’s assets are protected and regulatory requirements are met.

Top 3 Essentials of the Role:

• Lead the preparation and presentation of high-quality credit applications and risk assessments.
• Actively monitor and manage a portfolio of medium to high-complexity corporate clients.
• Collaborate with internal stakeholders to support new transactions and ongoing credit processes.

Top 3 Candidate Requirements:

• Proven experience as a corporate credit analyst through at least one economic cycle and exposure to the Sub-IG world and/ or corporate leveraged/structured finance.
• Strong analytical, financial modelling, and documentation review skills.
• Fluency in English and French, with excellent communication and stakeholder engagement abilities.

Business Area

Corporate Banking Department II (CBD2) – Front Office Credit.

The team supports the bank’s corporate lending and risk management activities across EMEA, focusing on a diverse portfolio including syndicated loans, derivatives, trade finance, and corporate leveraged/ M&A finance solutions. CBD2 FBNL (incl. France and Benelux) is part of the wider CBD2 EMEA team.

CBD2 EMEA has around 240 customer groups for which FO Credit monitor the credit risk of  USD 75bn of funded assets and commitment lines.  FO Credit teams across EMEA prepare c.600 monitoring applications per year.

Position Description

The Credit Analyst (VP) is responsible for managing credit risk in line with internal policies and external regulations. This includes conducting in-depth credit analysis, preparing credit applications, and supporting the structuring and negotiation of new transactions.

The role also involves continuous monitoring of existing clients and contributing to special credit reviews (overall managed portfolio of c.15 corporate medium/ high complexity customer groups).

The credit analyst will be reporting to the CBD2 FBNL Head of Credit.

Job Responsibilities

Credit Quality

• Prepare succinct, high-quality credit applications with financial, industry, and peer analysis, projection modelling and analysis.
• Recommend obligor and facility grades aligned with Basel requirements and internal policies.
• Review junior analysts’ work to ensure quality of credit submissions and loan documentation to ensure risk is minimized.
• Support or lead deal teams depending on transaction complexity and own appetite.
• Engage with stakeholders (RMs, Credit Dept, Corporate Research Dept, Specialist Product teams etc.) to ensure smooth credit approval processes.
• Contribute to Special Credit Reviews to mitigate potential losses.

Credit Processes

• Assist in managing daily workflow and sector coverage within the team.
• Ensure timely portfolio reviews and compliance with internal policies.
• Maintain internal systems and grading tools to ensure compliance with all procedures.
• Participate in ad hoc projects as needed.

Training & Development

• Supervise and coach junior team members to enhance departmental capabilities.

Generic Competencies

Specific Competencies, Skills and Education

Competencies

• Strong risk awareness and decision-making under pressure.
• Effective communication and stakeholder management.
• Team leadership and mentoring.
• Adaptability and initiative in a dynamic environment.

Skills

• Advanced financial analysis and forecasting.
• Proficiency in Excel (financial modelling) and Word.
• Deep understanding of credit products: syndicated loans, derivatives, trade finance, leasing. Including in the Sub-IG universe.
• Familiarity with legal documentation (LMA, ISDA, CSA) both in the IG and sub-IG world
• Sector expertise in at least three industries (e.g., Oil & Gas, Pharma, TMT, Autos, etc.).
• Experience in sub-investment grade and/or leveraged finance.

Education

• Degree-level education and/or relevant professional qualifications.
• Demonstrated commitment to continuous learning and development.

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!!