<p style="margin-bottom:11.0px"><span style="font-size:12.0pt"><em><span style="font-size:9.0pt"><span style="color:#385723">SMBC: A trusted partner for the long term </span></span></em></span></p>
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<p style="margin-bottom:11.0px"><span style="font-size:12.0pt"><em><span style="font-size:9.0pt"><span style="color:#385723"><span style="white-space:pre-wrap">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. </span></span></span></em></span></p>
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<p> </p><div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px">Who we are</H2>
</div><div><p>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.</p>
</div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px">Role Summary</H2>
</div><div><p>The role sits within the Credit Risk Management function and is responsible for ongoing portfolio monitoring and early‑warning analysis.</p>
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<p>The Credit Alarm Report is a key management tool used to identify emerging risks at counterparty, country, sector, and portfolio level.</p>
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<p>The role works closely with Credit Risk colleagues, Enterprise Risk Management, Finance, Credit Department, and IT / Data teams to ensure consistency of risk data, robustness of reporting, and effective use of forward‑looking risk metrics. Outputs from this role support internal governance, management reporting and risk appetite management.</p>
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<p>The anticipated salary range for this role is €64,000 - €96,000, 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.</p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px">Business Area</H2>
</div><div><p>Risk Management / Credit Risk Management</p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px">Position Description</H2>
</div><div><p><strong>Accountabilities & Responsibilities</strong></p>
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<ul type="disc">
<li>Prepare, analyse, and maintain various risk reports including daily and monthly Credit Alarm Reports to monitor portfolio risk developments and identify emerging credit risks.</li>
<li>Perform credit risk management analysis across counterparties, sectors, and products, ensuring timely escalation of material risk signals.</li>
<li>Support automation initiatives by defining business requirements (BRDs) and contributing to data and reporting solutions.</li>
<li>Use and query data through SQL and reporting tools to ensure accuracy, consistency, and completeness of credit risk information.</li>
<li>Provide high‑quality risk data and analysis as input to credit risk models and portfolio monitoring frameworks.</li>
<li>Ensure compliance with BCBS 239 principles, including data quality, traceability, reconciliation, and documentation.</li>
<li>Prepare and present clear risk reports and materials for internal stakeholders, supporting effective management decision‑making.</li>
</ul>
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<p><strong>Knowledge, Skills, Experience & Qualifications</strong></p>
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<p><strong>Knowledge & Technical Skills</strong></p>
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<ul type="disc">
<li>Strong understanding of credit risk monitoring, limit structure and early‑warning indicators</li>
<li>Solid understanding of BCBS 239 principles and data governance requirements</li>
<li>Strong data handling skills, including SQL and structured querying</li>
<li>Experience in defining Business Requirement Documents (BRDs) for reporting and automation</li>
</ul>
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<p><strong>Experience</strong></p>
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<ul type="disc">
<li>Experience in credit risk, portfolio monitoring, or risk analytics within a banking environment</li>
<li>Practical exposure to credit risk reporting, data analysis, and management information</li>
<li>Experience supporting regulatory or internal risk frameworks is desirable</li>
</ul>
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<p><strong>Education & Qualifications</strong></p>
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<ul type="disc">
<li>Degree in Finance, Economics, Mathematics, Statistics, Engineering, or a related discipline</li>
</ul>
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<p><strong>Other Skills</strong></p>
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<ul type="disc">
<li>Strong analytical mindset with high attention to detail</li>
<li>Ability to clearly present complex data and risk insights to stakeholders</li>
<li>Good organisational skills and ability to deliver under recurring reporting deadlines</li>
</ul></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px">Competencies</H2>
</div><div><div>Customer Focus</div><div>Driving Change</div><div>Driving Results</div><div>Embraces Diversity</div><div>Enterprise Leadership</div><div>Judgement and Decision Making</div><div>Risk Management</div><div>Strategic and Visionary</div><div>Trust and Integrity</div></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px">What we offer</H2>
</div><div><p>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.</p>
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<p>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:</p>
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<ul type="disc">
<li>Hybrid and flexible working </li>
<li>Competitive paid leave days</li>
<li>Benefits to support your physical wellbeing, including private medical insurance </li>
<li>Various policies to support your mental wellbeing, including a robust behavioural health network with counselling and coaching services </li>
<li>Access a wide range of learning and development opportunities and career progression opportunities </li>
<li>Ambitious remuneration package</li>
</ul>
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<p>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!</p>
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<p style="margin-bottom:11.0px"><span style="font-size:12.0pt"><em><span style="font-size:9.0pt"><span style="color:#385723">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. </span></span></em></span></p>
<p style="margin-bottom:11.0px"><em><span style="font-size:9.0pt"><span style="color:#385723">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. </span></span></em></p>
