Credit Risk Management Vice President

SMBC Group; Greater London; On-site; GBP 80,000 - 120,000; Full time

Benefits offered by this job

Hybrid working

Paid leave

Medical insurance

Life and disability insurance

Learning and development opportunities

Job summary

SMBC Group in London seeks a Vice President for Real Estate Credit to lead independent credit assessment of real estate lending transactions, ensuring risk appetite and regulatory standards are met. You will provide expert credit judgement and constructive challenge to balance delivery with disciplined risk management.

Key responsibilities include risk assessment of new transactions, portfolio management across office, logistics, retail and residential sectors, and collaboration with

Qualifications

• Meaningful / relevant experience (min. 5 years) in an analytical role in a major financial institution or relevant experience with a ratings agency covering commercial real estate.
• Good knowledge of lending structures encompassing appropriate risk factor identification, cash-flow analysis, stress-testing as well as familiarity with documentation and market trends.

Responsibilities

• Partner with Front Office to deliver client outcomes while maintaining strong credit quality and aligned risk appetite.
• Apply disciplined risk assessment to new transactions.
• Articulate risk views in line with policy, engaging with clients, advisers, and consultants to understand transactions and sectors.
• Assess and manage a diverse portfolio across multiple jurisdictions and sectors including: office, logistics, retail and residential
• Support other Credit teams as necessary, especially Securitisation & Lender Finance, which sit within the same vertical.
• Proactively monitor underperforming credits, anticipating deterioration and supporting effective workout strategies.
• Collaborate with stakeholders across EMEA, Tokyo HQ, and regional credit teams on commercial and risk matters.

Job description

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10 Sept 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.

The anticipated salary range for this role is £80,000 - £120,000, 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.

Role Summary

Is the next step in your career atSMBC Group EMEA? We’re looking for a Vice President covering Real Estate Credit to join our team.

This role will lead the independent assessment and oversight of real estate lending transactions, ensuring alignment with the Bank’s risk appetite and regulatory standards. Providing expert credit judgement, and constructive challenge, to balance commercial delivery with disciplined risk management.

Key Responsibilities include:

• Risk assessment of new transactions
• Assessment and management of a diverse portfolio across multiple jurisdictions and sectors including: office, logistics, retail and residential, including problem assets.
• Support other Credit teams as necessary, especially Securitisation & Lender Finance, which sit within the same vertical.

Knowldedge Skills & Experience:

• Meaningful / relevant experience (min. 5 years) in an analytical role in a major financial institution or relevant experience with a ratings agency covering commercial real estate.
• Good knowledge of lending structures encompassing appropriate risk factor identification, cash-flow analysis, stress-testing as well as familiarity with documentation and market trends.

Business Area

• Real Estate Credit is responsible for the risk evaluation of financing proposals covering investment and development financing across sectors including: offices, logistics, hotels and residential.
• Portfolio Size: Commercial Real Estate Portfolio of c.$6bn, across c.50 Facilities
• Target Growth Sector: 50% Growth Rate in past 2 years, and key business line for major bank Sponsors
• Regulatory Focus: Asset Class with significant visibility at Senior Management and Regulatory level
• Interactions: Provide support and expertise to Corporate Credit on Corporate Real Estate exposures, as well as NAV financing proposals

Position Description

• Partner with Front Office to deliver client outcomes while maintaining strong credit quality and aligned risk appetite.
• Apply disciplined risk assessment to new transactions.
• Articulate risk views in line with policy, engaging with clients, advisers, and consultants to understand transactions and sectors.
• Assess and manage a diverse portfolio across multiple jurisdictions and sectors including: office, logistics, retail and residential
• Support other Credit teams as necessary, especially Securitisation & Lender Finance, which sit within the same vertical.
• Proactively monitor underperforming credits, anticipating deterioration and supporting effective workout strategies.
• Collaborate with stakeholders across EMEA, Tokyo HQ, and regional credit teams on commercial and risk matters.

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

Judgement and Decision Making

Driving Results

Customer Focus

Driving Change

Strategic and Visionary

Trust and Integrity

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