Head of Credits, SEB Denmark
We are seeking an independent, motivated candidate who will be an integral part in the credit authorization process for matters related to SEB Denmark. You will be safeguarding SEB Denmark’s asset quality and maintaining alignment with the risk appetite of the SEB Group. You will also provide appropriate checks and balances in the credit decision-making process across the SEB Group by ensuring that credit origination decisions made by the Division(s) are subject to an independent second opinion, a Credit risk conclusion, to the extent justified by their size and complexity. You will be a Senior Credit Officer, with rights and responsibilities in a Divisional Credit Committee; operationally assigned to the Corporate Banking Unit within Group Credits.
In addition to facilitating credit authorization decisions, responsibilities include screening credit memoranda to ensure high quality risk assessment and presenting, in writing and orally, the key credit risk assessment in a condensed and clear manner. Furthermore, responsibilities also extend to planning the credit process and contribute to the development and maintenance of policies and instructions.
- Lead and develop the Group Credits Denmark activities to ensure that activities are conducted effectively and ethically with a high level of motivation, hereunder comply with the bank’s policies and code of conduct – as well as relevant regulations and laws.
- Act as Senior Credit Officer, with rights and responsibilities in a Divisional Credit Committee; operationally assigned to the Corporate Banking Unit within Group Credits.
- Provide appropriate checks and balances in the local credit decision-making process and, if relevant from a decision-making authority perspective, forward consented credit matters to the appropriate decision-making authority.
- Proactively interact with local functional and operational area managers to ensure that their risk appetite is aligned with the risk appetite of the SEB Group.
- Contribute actively to the development and maintenance of credit policies and related instructions.
- Proven experience within credit origination, credit decision-making and/or authorization.
- Broad knowledge of the Danish business environment in general.
- A minimum of 10 years’ professional experience at senior level including solid managerial/project leadership skills.
- It is a clear advantage having been exposed to credit committees in the past either through presentation or voting.
- Knowledge of SEB’s Credit Instructions and Policies is an advantage.
- You must be a clear communicator and fluency in written and spoken English is a prerequisite.
- You should be a proactive, service-minded individual with strong credit and analytical skills.
- You must possess high integrity, social competence and have demonstrated administrative/project skills.
- A good team player is sought with the capacity and interest to develop skills and knowledge across Group Credits.
- Empowering and highly professional working environment.
- Opportunity to contribute to a highly qualitative and efficient credit process in SEB.
- Continuous learning and engagement with colleagues across divisions and home market geographies.
- Interesting global career development opportunities.
- Opportunity to contribute to the development of credit policies and instructions
It is our fundamental belief that inclusion and diversity is crucial for our future success. We strive to have an inclusive, value-driven culture where employees feel valued, respected, and involved irrespective of who they are, what they believe or where they come from.
Since we select candidates continuously, feel free to send in your application today together with cover letter and CV via the link in this ad, but no later than 2026-04-13. If you have questions about the position, please contact Egil Aarrestad, Group Credit Officer, egil.aarrestad@seb.no, or +46 70 73 94 370 or Peter Røder Lauridsen, Country Manager, SEB Danmark, peter.lauridsen@seb.dk. Note that we will not process applications via email.
Please be aware that our final candidates undergo background checks, a process that includes for example identity control, verification of qualifications, credit checks, company engagements and history of crime