CD - Credit Risk Management - Vice President

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.

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.

Is the next step in your career at SMBC 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 judgment, and constructive challenge, to balance commercial delivery with disciplined risk management.

• 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.

• Degree level education &/or relevant professional qualifications preferred.
• 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.

• 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

• 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…