Credit Review Assistant Vice President

Job description

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 Hiring manager to edit here: Is the next step in your career at SMBC Group EMEA? We’re looking for an Assitant Vice President position for our CIB - CBD1 Department to join our team. The Credit Officer (Assistant Vice President) is responsible for conducting credit reviews of corporate customers, recommending appropriate obligor and facility gradings, and supporting sound credit risk management as the first line of defence. The role covers the preparation and review of credit applications, continuous portfolio monitoring, and the effective operation of the Credit Team while ensuring compliance with internal policies, regulatory requirements, and risk management frameworks. The anticipated salary range for this role is EUR 68.000 to EUR 104.000, with the final offer determined based on the candidate’s skills, experience, role scope, location, and relevant market factors. In addition to base salary, the role may be eligible for a discretionary incentive award and a competitive benefits package, including core benefits such as pension pro Essentials of the Role Conduct credit risk analysis and prepare high-quality credit applications for corporate customers. Monitor a portfolio of corporate clients and maintain accurate obligor and facility gradings. Support effective Credit Team operations and ensure compliance with internal and regulatory requirements. Candidate Requirements Strong credit analysis and financial modelling skills. Experience with corporate lending products including loans, guarantees, trade finance and derivatives. Strong communication and stakeholder management skills with fluency in English (Japanese and/or German preferred). Business Area The position sits within Corporate & Investment Banking (CIB) – CBD1 and is part of the Front Office Credit Team based in Düsseldorf. The team is responsible for reviewing and monitoring credit risk for a portfolio of Japanese and Asian corporate customers across Europe. The role supports a broad range of products including syndicated and bilateral loans, derivatives, trade finance and guarantees, while working closely with Marketing Officers, Credit Department and other internal stakeholders to ensure sound risk management and efficient credit processes. Position Description The Credit Officer is responsible for assessing the creditworthiness of corporate customers through detailed quantitative and qualitative analysis and preparing credit applications for submission to Credit Department. The role includes financial statement analysis, cash flow forecasting, industry and peer analysis, transaction assessment, and recommending appropriate obligor and facility gradings. The successful candidate will manage an assigned portfolio of corporate clients and undertake ongoing monitoring to identify any deterioration in credit quality. The role also involves reviewing credit documentation, supporting special credit situations, responding to regulatory requirements, and maintaining compliance with internal policies, ECB expectations, KGW18 monitoring requirements, and audit recommendations. In addition, the position will contribute to the efficient operation of the Credit Team by supporting junior colleagues, improving internal processes and documentation, engaging with customers and internal stakeholders, and driving operational enhancements through digitalisation, automation and other efficiency initiatives. The role is also expected to contribute to the training and development of junior team members and support continuous improvement initiatives across the Credit Team. Competencies Customer Focus Driving Change Driving Results Embraces Diversity Enterprise Leadership Judgement and Decision Making Risk Management Strategic and Visionary Trust and Integrity 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 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. We are committed to transparent and equitable pay practices. Compensation is determined using objective criteria, including skills, experience, and role responsibilities, and applied consistently throughout our recruitment processes. We do not request candidates' pay history and are committed to preventing unjustified pay disparities.