Credit Reviewer - VP

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

We’re looking for a CREDIT REVIEWER to join our Audit Department Credit Review (ADCR) team. This role supports the Audit Department in providing assurance to management that the grading applied to the obligors reviewed is appropriate and Bank procedures have been followed. It also assists ADCR in managing key stakeholder relationships and supports ADCR with industry / product specific knowledge based on areas of expertise.

Minimum Requirements

• Proven experience in credit analysis and management within major UK or international banks is essential.
• A clear understanding of the credit risk environment relevant to the business being reviewed, including complex financing, is required.
• Preferred candidates will have experience in Project Finance or Leveraged Finance.
• Attention to detail is necessary for reviewing and documenting work, interpreting findings, and identifying trends.
• Proficiency in IT with a data-driven approach is required.
• Strong verbal and written communication skills are essential for efficiently completing reviews, preparing reports, documenting findings, and liaising with key stakeholders and ADCR management.

Position Description

The ADCR Credit Reviewer is responsible for credit reviews assigned by the relevant Credit Review Partner within the budgeted timeframe. Reviews will normally relate to more complex financing including deteriorating credits. The ADCR Credit Reviewer interacts with ADCR team members and ADCR Management up to ED/MD level.

Responsibilities include:

• Conducting a review of credit applications to determine, based on the agreed sampling methodology, which application will require a Full File Review.
• Conducting a Full File Review of assigned credit applications to ensure accuracy of the Obligor and Facility Grades as well as Borrower’s Category (if applicable).
• Discussing issues found and raise questions with FO person in charge when clarifications are required to complete the credit reviews.
• Discussing and agreeing with the Credit Review Partner Findings and Recommendations that need to be raised.
• Submit reviews to the Credit Review Partner for approval including draft Recommendations and Other Findings.
• Undertaking the follow-up and closure of any Recommendations raised.
• Completing any other ad-hoc tasks assigned by Credit Review Partner including Self-Assessment Classification Review or DCF Review.
• Deputising for Credit Review Partner in 1) attending Special Credits Review (SCR) meetings as observer, 2) arranging and chairing periodic meetings with stakeholders.
• Cross-training of staff across the different products / areas of expertise.
• Leading Branch Credit Review process and ADCR’s participation in Internal Audit on-site as Subject Matter Expert for Credit.

The role requires knowledge of credit related rules and procedures which are specific to the Bank. Negotiating and influencing skills are expected, to interact with FO/CD. Having a clear understanding of the different credit-related products offered by the Bank, their complexities, and risks.

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 well-being, including private medical insurance and life and invalidity insurance
• Various policies to support your mental well-being, including a robust behavioural health network with counselling and coaching services
• Access a wide range of learning and development opportunities and career progression opportunities

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!