Senior Credit Officer

SMBC Group is a top-tier global financial group.
Headquartered in Tokyo and with a 400-year history, SMBC Group offers a diverse range of financial services, including banking, leasing, securities, credit cards, and consumer finance.
The Group has more than 130 offices and 80,000 employees worldwide in nearly 40 countries.
Sumitomo Mitsui Financial Group, Inc.
(SMFG) is the holding company of SMBC Group, which is one of the three largest banking groups in Japan.
SMFG’s shares trade on the Tokyo, Nagoya, and New York (NYSE: SMFG) stock exchanges.
In the Americas, SMBC Group has a presence in the US, Canada, Mexico, Brazil, Chile, Colombia, and Peru.
Backed by the capital strength of SMBC Group and the value of its relationships in Asia, the Group offers a range of commercial and investment banking services to its corporate, institutional, and municipal clients.
It connects a diverse client base to local markets and the organization’s extensive global network.
The Group’s operating companies in the Americas include Sumitomo Mitsui Banking Corp.
(SMBC), SMBC Nikko Securities America, Inc.
, SMBC Capital Markets, Inc.
, SMBC Rail Services LLC, Manufacturers Bank, JRI America, Inc.
, SMBC Leasing and Finance, Inc.
, Banco Sumitomo Mitsui Brasileiro S.
A.
, and Sumitomo Mitsui Finance and Leasing Co.
, Ltd.
The anticipated salary range for this role is between $180,000.
00 and $220,000.
00.
The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire.
The role may also be eligible for an annual discretionary incentive award.
In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees.
Role Description SMBC is seeking a Senior Credit Officer with strong credit and quantitative skills to analyze the credit risk and various elements of project finance transactions in North America.
Coverage includes renewable and conventional power, natural resources, infrastructure and PPP transactions in North America.
Knowledge of Public Finance and sports financing is also helpful, but not required.
As part of SMBC’s 2LoD, the Senior Credit Officer’s main responsibility entails the review of credit applications submitted by the front office (1LoD) and to prepare executive summaries for the management of the Credit Department.
Role Objectives: Delivery Analyze various risk elements of project finance transactions in North America, and present written executive summaries to the management of the Credit Department.
Oversee the maintenance of credit quality and provide feedback to business units to ensure consistent and complete credit applications.
Also, provide guidance, as necessary, to business units to ensure compliance with internal standards.
Monitor and supervise problem loans including Warning Obligors and present written memorandum/reports to management.
Manage compliance with internal policies, work flow procedures, regulations, etc.
Other credit related works/projects as assigned.
Role Objectives: Knowledge The knowledge and skills described here are representative of those that must be met by an employee to successfully perform the essential functions of this job (technical, business acumen, agility, analytical, time management, collaborative): In-depth knowledge of project finance, in addition to corporate finance and accounting, is required.
Critical thinking and ability to analyze a vast and complex amount of information and quickly render credit decisions.
Experience in facing the regulators at the SNC, TLR, etc exams and knowledge of regulatory ratings is a plus.
Risk sensitivity and ability to steer decisions through discussions with the business units.
PC skills including Microsoft Word and Excel skills Role Objectives: Expertise Display an advanced understanding of credit markets and risk policies to ensure that all counterparty arrangements are viable and properly collateralized from a credit risk management perspective.
Demonstrate a working knowledge of counterparty credit risk and current practices in the market in particular.
Stay abreast of trends in order to match market opening with the company's risk appetite in order to maximize risk / reward.
Utilize a solid understanding of information technology and project management, in order to best partner with colleagues in the ongoing tracking of counterparty risks for new and existing clients / products and to create meaningful modeling and analysis.
Apply advanced modeling and analytical skills to create meaningful measurement and reporting on key risk exposures.
Demonstrate an understanding of applicable accounting rules, contract law (ISDA agreements) and regulatory guidance to establish limits, netting arrangements and collateral requirements.
Communicate analytical data effectively.
Qualifications and Skills Recommended years of experience: 10 Additional Requirements D&I Commitment Responsible for fostering a culture of diversity and inclusion, holding leaders accountable for creating an inclusive environment through awareness and practice of equity in recruiting, developing, and promoting diverse talent.
SMBC’s employees participate in a hybrid workforce model that provides employees with an opportunity to work from home, as well as, from an SMBC office.
SMBC requires that employees live within a reasonable commuting distance of their office location.
Prospective candidates will learn more about their specific hybrid work schedule during their interview process.
We are an equal employment opportunity employer.
All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law.
SMBC provides reasonable accommodations for employees and applicants with disabilities consistent with applicable law.
If you need a reasonable accommodation during the application process, please let us know at accommodations@smbcgroup.
com.