Audit Credit Review - Vice President (f/m/d)

SMBC Bank International plc; Deutschland; Hybrid; EUR 100.000 - 125.000; Vollzeit

Zusammenfassung

A global banking institution is seeking a credit analyst in Germany. The role includes reviewing credit applications, conducting in-depth analyses, and leading credit review processes. The ideal candidate has proven experience in credit analysis, attention to detail, and strong communication skills. We offer competitive benefits, hybrid work options, and opportunities for professional growth. Join us to support our clients' transitions to a sustainable future.

Leistungen

Hybrid and flexible working

Competitive paid leave days

Private medical insurance

Robust behavioral health network

Learning and development opportunities

Qualifikationen

• Proven experience in credit analysis and credit management within major EU or international banks is essential.
• Clear understanding of the credit risk environment, including complex financing, is required.
• Strong verbal and written communication skills are essential for efficiently completing reviews.

Aufgaben

• Conducting a review of credit applications to determine which will require a Full File Review.
• Discussing issues and raising questions with the person in charge when clarifications are required.
• Leading the Branch Credit Review process and participating on-site as SME for Credit.

Kenntnisse

Credit analysis

Attention to detail

Communication skills

Data-driven approach

Jobbeschreibung

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.

Position Description

• 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 CRP including SA Classification Review or DCF Review.
• Leading Branch Credit Review process and ADCR's participation in IAD/ADIA on-site as SME for Credit.
• The Credit Reviewer may be also asked to assist the CRP with maintaining relationships with Senior Management (D, ED and MD level) in a nominated area of responsibility, have insight into business activities and be able to comment on key areas of risk for those business areas.

Knowledge, Skills, Experience & Qualifications

• Proven experience in credit analysis and credit management within major EU or international banks is essential.
• A clear understanding of the credit risk environment relevant to the business being reviewed, including complex financing, is required.
• 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 IAD/ADCR/ADIA management.

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 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!!

About SMBC

A trusted partner for the long term

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, we deliver a full suite of corporate finance products and solutions to our customers, including corporate, structured and trade finance, leveraged finance, loan market and treasury products. We can also provide investment banking and advisory services and a range of innovative solutions in global capital markets.

Find out more about what we do and who we are at https://www.smbcgroup.com/emea/careers

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