Credit Risk Management Specialist - Assistant Vice President (m/w/d)

Credit Risk Management Specialist - Assistant Vice President (m/w/d)
Frankfurt Credit Risk Management Specialist - Assistant Vice President (m/w/d) - HE, 60311
Credit Risk Management Specialist - Assistant Vice President (m/w/d) Job Details | smbcp We use cookies to ensure our website is functioning correctly and to enhance your experience. We do not use tracking or marketing cookies. By continuing to use our site, you agree to our use of functionality and performance cookies. Accept Close Skip to main content Home Talent Community About Us Careers Experienced Hires Emerging Talent Preparing for Success View All Jobs My Profile/Sign In Employee Login Home Talent Community About Us Careers Experienced Hires Emerging Talent Preparing for Success View All Jobs My Profile/Sign In Employee Login Home Talent Community About Us Careers Experienced Hires Emerging Talent Preparing for Success View All Jobs My Profile/Sign In Employee Login Search by Keyword Search by Location Show More Options Loading... Country/Region All City All Area of interest All Clear Select how often (in days) to receive an alert: Create Alert × Select how often (in days) to receive an alert: Apply now » 21 Oct 2026 Frankfurt, HE, DE, 60311 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 About the role Take ownership of our local wholesale credit portfolio monitoring framework and help shape how we identify, assess and respond to portfolio risks. Working closely with colleagues across Risk, Credit, Business and Finance, you’ll turn complex analysis into clear insights that support senior management decisions. What you’ll do Develop and manage credit portfolio limits, risk appetite metrics and early-warning indicators to support timely action. Assess portfolio quality, concentrations and emerging risks, bringing a forward-looking perspective to credit risk monitoring. Deliver clear, insightful reporting for senior management and risk committees, supported by robust governance and data controls. What you’ll bring Relevant experience in wholesale credit portfolio risk management, with practical knowledge of credit limits, risk appetite and concentration risk. Strong analytical skills and the ability to turn complex data into meaningful insights and recommendations. An understanding of relevant ECB and EBA expectations, alongside strong communication skills and a collaborative approach to constructive challenge Business Area The role sits within Credit Risk Modelling & Portfolio Monitoring and is the principal specialist role for the governance and ongoing operation of the local wholesale credit portfolio monitoring framework. The role complements existing technical and data capabilities by bringing strong credit risk judgement and practical experience in limit frameworks, risk appetite, concentration risk, early-warning processes and governance documentation. It works closely with Credit, Business, Finance, IT / Data and EMEA functions to ensure that portfolio limits and monitoring indicators are risk-sensitive, consistently applied, appropriately documented and effectively escalated. Position Description Purpose of the job Own and operate the local credit portfolio monitoring framework, including the credit limit framework, limit setting, risk appetite monitoring and escalation for wholesale portfolios. Provide forward-looking assessment of portfolio risks, concentrations and emerging vulnerabilities through clear governance, documented judgement and proportionate early-warning indicators. Produce concise, decision-useful portfolio conclusions for senior management and risk committees and coordinate actions across Risk, Credit, Business, Finance, IT and EMEA function Facts / Scale Primary scope: wholesale credit portfolios covering a broad range of banking products and risk drivers. Core framework responsibilities: credit portfolio limits, limit calibration and allocation, risk appetite metrics, KRIs / EWIs, concentration monitoring and escalation governance. Key outputs: regular portfolio monitoring reports, risk appetite assessments, limit utilisation and breach reporting, thematic analysis and committee materials. Key interfaces: Risk, Credit, Business, Finance, IT / Data, EMEA functions, senior management, risk committees, auditors and regulators. Accountabilities & Responsibilities Own and maintain the local credit portfolio monitoring governance framework, including policies, procedures, methodology documents, roles, controls and escalation requirements. Develop, review and operate the credit limit framework, including limit rationale, calibration, allocation, utilisation monitoring, exceptions, breaches and periodic reassessment. Coordinate the credit risk components of the Risk Appetite Framework and translate risk appetite into meaningful portfolio metrics, thresholds, management triggers and escalation actions. Monitor portfolio composition, concentrations, migrations, watchlist developments, asset quality, new-business profile and emerging risks to identify material changes at an early stage. Design and maintain proportionate KRIs and EWIs that distinguish material risk signals from normal portfolio volatility and support timely management action. Prepare concise portfolio reporting and forward-looking risk assessments for senior management and risk committees, clearly explaining drivers, implications and recommended actions. Ensure portfolio data, limit utilisation and management information are appropriately reconciled, controlled and documented, working with technical specialists to resolve data-quality issues. Coordinate responses to audit and regulatory enquiries relating to portfolio monitoring, risk appetite, limits, concentration risk and risk-data aggregation. Knowledge, Skills, Experience and Qualifications Required experience Relevant experience in credit portfolio risk management, credit limit frameworks, limit setting, risk appetite, concentration risk, credit analysis or senior credit risk reporting. Strong understanding of wholesale credit portfolios, relevant banking products and their underlying risk drivers. Practical experience designing, calibrating or operating portfolio limits, including utilisation monitoring, exceptions, breaches and escalation. Experience translating risk appetite into portfolio metrics, thresholds, KRIs, EWIs and clear management actions. Experience establishing or maintaining portfolio monitoring governance, methodology and procedural documentation. Experience preparing materials and presenting conclusions to senior management, risk committees, auditors or regulators. Knowledge of credit risk capital, RWA, IFRS 9 and ICAAP is beneficial. Technical capabilities Advanced Excel and data-analysis skills, with the ability to review large datasets, reconciliations and data-quality controls. Experience with Power BI o