25 Aug 2026
Frankfurt, HE, DE, 60311
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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.
Role Summary
Is the next step in your career at SMBC Group EMEA? We’re looking for a Credit Reviewer - Vice President (f/m/d) for our Internal Audit Department Credit Review group (IADCR) to join our team.
Summary of the role:
This role supports the Credit Review Partner (CRP) in providing assurance to management that the grading / category applied to each obligor in SMBC Bank EU AG is appropriate and the Bank’s procedures have been followed. This is achieved through Continuous and Branch Credit Reviews and participation in on-site audits with the Internal Audit function. It also supports the wider EMEA Credit Review activities.
Candidates Requirements:
Credit Experience: Proven experience in credit analysis and credit risk management within major EU or international banks is essential.
Credit Risk Understanding: A clear understanding of the credit risk environment relevant to the business being reviewed, including complex financing, is required. A clear understanding of structured finance including Project Finance, Shipping, Aircraft Finance or Leveraged Finance.
Attention to Detail: Thorough attention to detail is necessary for reviewing and documenting work, interpreting findings, and identifying trends.
Communication Skills: Strong verbal and written communication skills are essential for efficiently completing reviews, preparing reports, documenting findings, and liaising with key stakeholders and IADCR/IADIA management.
IT Skills: Proficiency in IT with a data-driven approach is required.
Degree level Education and/or relevant professional qualifications (like ACCA, CFA, FRM).
Fluent English is required; German or another language is a plus.
The anticipated salary range for this role is €80,000.00 - €120,000.00, 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.
Business Area
The objective of IADCR group is to provide reasonable assurance over the credit grading process and effective management of credit risk operating within SMBC EU AG/SMBC BI/SMBC EMEA Region. IADCR review a risk-based sample of the credit monitoring applications which were conducted by Front Office (FO) and approved by the Credit Department (CD) as IADCR is part of the Bank’s Audit Department and 3rd Line of Defence (3LoD). IADCR activities include Continuous Review, Branch Credit Review, Self-Assessment (SA) Classification Review and Discounted Cash Flow (DCF) Reviews. IADCR covers all Bank products including project finance, leveraged finance, aviation and shipping.
Position Description
The IADCR Credit Reviewer is responsible for credit reviews assigned by the relevant Credit Review Partner within the budgeted timeframe. Reviews will normally relate to more complex financing including deteriorating credits. The IADCR Credit Reviewer interacts with IADCR team members and IADCR Management up to ED/MD level. This is an EMEA wide role covering: SMBC EU AG, SMBC BI, SMBC Leasing (UK) Ltd. and other SMBC Branches / Subsidiaries.
The IADCR Credit Reviewer has no direct reports.
Responsibilities include:
Conducting an initial 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 agree 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 Credit Review Partner including Self-Assessment Classification Review or DCF Review.
Cross-training of staff across the different products / areas of expertise.
Leading Branch Credit Review process and IADCR’s participation in IADIA on-site as SME for Credit.
The IADCR Credit Reviewer may be also asked to assist the Credit Review Partner 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.
The IADCR Credit Reviewer will also be expected to contribute to Internal Audit Department initiatives and work collaboratively across EMEA.
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
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!!
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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.
about what we do and who we are at https://www.smbcgroup.com/emea/careers
