CD - Credit Risk Management - Vice President

Sumitomo Group; Greater London; Hybrid; GBP 120,000 - 180,000; Full time

Benefits offered by this job

Hybrid working

Learning & development opportunities

Diversity & Inclusion networks

Job summary

SMBC Group is seeking a Vice President in Structured Credit to evaluate new credit proposals and monitor covenant waivers. You will guide front office on risk, procedures and appetite, enabling balanced decision-making across a high‑stakes portfolio in EMEA.

The role requires at least 5 years in a major financial institution or ratings agency with strong communication and risk analysis skills, and flexibility to work tight deadlines, including occasional after-hours work.

Qualifications

• Minimum 5 years of experience in a major financial institution or ratings agency.
• Strong knowledge of lending structures, cash-flow analysis and risk identification.
• Excellent written skills for succinct credit papers.
• Ability to manage transactions from inception to approval with limited supervision.
• Willingness to work outside contracted hours when required.

Responsibilities

• Assess and challenge transaction material from front office with recommendations.
• Conduct credit and financial risk analysis and prepare analytical credit papers.
• Monitor obligors and industry sub-sectors within an assigned portfolio.
• Escalate deteriorating credits and collaborate on practical solutions.
• Attend meetings and foster collaboration with origination and portfolio teams.

Skills

Credit risk analysis

Financial analysis

Documentation & reporting

Written communication

Stakeholder collaboration

Job description

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23 Oct 2026

London, LND, GB, EC2M 2AT

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.

Business Area

Structured Credit team, Credit Department, is responsible for the risk evaluation of financing proposals across EMEA in connection with project finance, acquisition financing (clients acquiring a stake-holding in infrastructure assets) and related derivatives

Role Summary

Vice President,Structured Credit

• To undertake evaluation of new credit proposals and their recommendation to approvers, as well as monitoring and processing covenant waivers of existing obligors.
• Provide guidance to front office in ensuring a consistent credit approach covering procedures, risk and mitigation articulation and riskappetite guidance to expedite balanced decision-making.

We are looking for a candidate with a minimum of 5 years of experience working in a major financial institution or ratings agency covering project finance risk analysis as well as:

• Good knowledge of lending structures encompassing appropriate risk factor identification, cash-flow analysis, stress-testing as well as familiarity with documentation / market trends.
• Good communication and excellent written skills for preparing succinct and well-articulated credit papers.
• Capability to take a transaction from inception to approval without significant supervision.
• Flexibility to work to tight deadlines under pressure including working outside of contracted hours from time to time.
• Sound interpersonal skills, supporting collaboration / teamwork / the Bank's Diversity & Inclusion values.

Position Description

• Jobholder will have primary responsibility for: 1) assessing and challenging transaction material provided by the front office; 2) conducting appropriate credit and financial risk analysis; 3) preparing highly analytical, succinct and well-articulated credit papers with recommendation to approvers; 4) proactively monitoring obligors and industry sub-sectors within an assigned portfolio; 5) escalating deteriorating credits and other problem situations.
• Provide guidance to front office in ensuring a consistent credit approach including procedures, risk and mitigationarticulation, and risk appetite guidance to expedite balanced decision‑making.
• Attend Special Credit meetings, collaborate with colleagues from relevant departments to develop practical solutions for problematic cases.
• Maintain good relationships with origination, front office credit and portfolio management teams to foster a supportive and collaborative culture.

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

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.

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