Vice President, Credit Department - SMBC

Job Responsibilities

• To independently and neutrally review and assess several types of credit applications submitted from business units; and to make concise but adequate executive summary to seek approval from relevant authorities.
• To establish an adequate action plan for credits likely to deteriorate to minimize credit costs.
• To manage and maintain the accuracy of registration of credit monitoring system and client database, and to instruct business units to modify data if necessary.
• To conduct credit portfolio analysis in terms of countries, corporate groups, industry commodity / segments, currency risks, internal grading, type of financial product, etc. from time to time.
• To monitor and proactively control credit exposures under large scale companies and/or certain sectors for increased concern on concentration risks, in cooperation with other relevant teams / departments.
• To discuss direction of potential deals with business units following head office's credit policy and credit appetite.
• Any other duties as may be assigned from time to time.
• To note, no approval authority is given initially, but will be considered in future depending on performance and experiences

Requirement

1. Bachelor's degree; qualifications in corporate finance, financial analysis, credit risk management.

2. Experience in credit analysis / credit approval department of financial institutions, rating agencies, etc.

3. Strong credit analysis and due diligence skills. Abili t y to prepare clear and con c ise credit recommendations.

4. Excellent organising and planning skills. Team player attributes.

5. Excellent communication skills.