Credit Risk Management Vice President

SMBC Group; Paris; In loco; EUR 76.000 - 100.000; Tempo pieno

Vantaggi offerti da questo lavoro

Hybrid working

Private medical & life insurance

Wellbeing & learning programs

Descrizione del lavoro

SMBC Group EMEA in Frankfurt is seeking a Credit Analyst (Vice President) to join the Credit Department. You will independently assess and manage credit risk across a diverse portfolio, support senior credit decisions, and contribute to the bank’s risk framework in a regulated, international environment.

The role involves analysing credit applications across corporate lending, LBOs, project finance, FI and structured finance, preparing clear recommendations, and conducting periodic reviews.

Competenze

• Minimum 5 years of relevant experience in credit analysis or credit risk management.
• Experience in corporate lending, LBO, Project Finance, Financial Institutions, structured finance or derivatives.
• Knowledge of EBA, ECB, KWG and MaRisk regulations.
• Degree-level education in Finance, Economics, Business Administration, Accounting or related discipline.
• Fluency in English; German language skills would be advantageous.

Mansioni

• Analyse credit applications across corporate lending, LBO, Project Finance, Financial Institutions, structured finance and derivatives.
• Prepare clear, well-reasoned credit recommendations for presentation to the Executive Board or delegated authority.
• Plan and conduct periodic credit reviews while monitoring portfolio performance and emerging risks.
• Identify and escalate material credit matters to governance forums.
• Support development and maintenance of credit policies, procedures and risk management frameworks.
• Partner with Front Office, Treasury, Finance, Planning and other Credit teams to ensure effective credit risk management.
• Support and deputise for the Head of Credit, including audits and regulatory interactions.

Conoscenze

Credit analysis

Regulatory knowledge

English proficiency

German language (advantageous)

Formazione

Finance/Economics/Business Administration/Accounting

Descrizione del lavoro

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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

Is the next step in your career at SMBC Group EMEA?

We're looking for a Credit Analyst (Vice President) for our Credit Department to join our team in Frankfurt.

This role offers the opportunity to play a key part within the Bank’s second line of defence, independently assessing and managing credit risk across a diverse portfolio of corporate, leveraged finance, project finance, financial institutions and structured finance exposures. You will contribute to senior credit decisions, portfolio oversight and the continued development of the Bank’s credit risk framework within an international and highly regulated environment.

The Credit Department provides independent credit risk assessment, sanctioning and portfolio oversight across a broad range of sectors, products and financing structures. This role supports sound credit decision-making and sustainable business growth by ensuring that transactions and exposures remain aligned with the Bank’s risk appetite, internal policies and German and European regulatory requirements.

In this role you will be responsible for:

• Independently analysing credit applications across corporate lending, LBO, Project Finance, Financial Institutions, structured finance and derivative transactions
• Preparing clear, well-reasoned credit recommendations for presentation to the Executive Board or relevant delegated authority
• Planning and conducting periodic credit reviews while monitoring portfolio performance, emerging risks and potential credit deterioration
• Identifying and escalating material credit matters to the appropriate governance forums, including Special Credit Review and Credit and Prudential Risk Committees
• Supporting the development and maintenance of credit policies, procedures and risk management frameworks in line with EBA, ECB, KWG and MaRisk requirements
• Partnering with Front Office, Treasury, Finance, Planning and other Credit teams to ensure effective credit risk management and compliance with internal requirements
• Supporting and deputising for the Head of Credit, including contributions to audits, regulatory interactions, risk appetite discussions and capital management activities

The anticipated salary range for this role is€76,000 - €100,000, 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 provision.

Profile Description

For you to succeed in this role

• Minimum 5 years of relevant experience in credit analysis, credit risk management or corporate banking within a financial institution
• Strong knowledge of corporate credit analysis and banking products, with exposure to areas such as LBO, Project Finance, Financial Institutions, structured finance or derivatives
• Good understanding of German and European credit risk regulations and frameworks, including EBA, ECB, KWG and MaRisk
• Degree-level education in Finance, Economics, Business Administration, Accounting or a related discipline
• Fluency in English, both written and spoken; German language skills would be advantageous

What will you bring to the role?

• Strong numerical and financial analysis capabilities, with the ability to develop independent and well-supported credit views
• Sound judgement and the confidence to challenge assumptions, communicate risk concerns and escalating material issues appropriately
• Excellent written and verbal communication skills, including the ability to present recommendations clearly to senior decision-makers
• Strong planning and organisational skills, with the ability to manage time-sensitive applications and periodic review cycles
• A collaborative and culturally aware approach, enabling constructive relationships with Front Office and control function stakeholders
• Experience covering a diversified portfolio across multiple sectors, products and transaction structures
• Exposure to credit risk strategy, risk appetite, capital management or portfolio-level analysis
• Experience supporting regulatory examinations, internal audits or credit policy enhancement initiatives
• Knowledge of SMBC Group credit risk policies, procedures or systems would be advantageous

Customer Focus

Driving Change

Driving Results

Judgement and Decision Making

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

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