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About the Role

SMBC is seeking a Credit Officer with strong credit and quantitative skills to analyze the credit risk and various elements of project finance transactions in North America and Latin America, covering renewable and conventional power, oil and gas, natural resources, data centers, and other infrastructure. As part of SMBC’s 2LoD, the Credit Officer will review credit applications from the front office (1LoD) and prepare executive summaries for the Credit Department management.

Responsibilities

Analyze various risk elements of project finance transactions in North America and Latin 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.
Provide guidance to business units to ensure compliance with internal standards.
Provide feedback to the front office on deal structures to mitigate identified risks.
Closely review transaction grading models to ensure accuracy and consistency.
Monitor and supervise problem loans including Warning/Special Mention Obligors and present written memorandum/reports to management.
Manage compliance with internal policies, work flow procedures, and regulations.
Perform other credit related works/projects as assigned.
Utilize deep understanding of US Regulatory Classification guidelines to review and approve proposed risk ratings.

Requirements

In-depth knowledge of project finance, 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 regulators during 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.

Skills

Superior attention to details
Ability to quickly individuate and focus on the key risks factors of highly structured transactions
Ability to visually present complex concepts with graphs, tables and flow charts

Location

North America
Latin America

Work Type

Hybrid workforce model

Experience Level

5-7 years relevant work experience preferably in the credit department of a major project finance bank.

Salary/Compensations

$178,000.00 - $231,000.00
Role may also be eligible for an annual discretionary incentive award.

Benefits

Competitive portfolio of benefits

About the Company

SMBC Group is a top-tier global financial group headquartered in Tokyo with a 400-year history.
The Group offers a diverse range of financial services, including banking, leasing, securities, credit cards, and consumer finance.
SMBC Group has over 130 offices and 80,000 employees worldwide in nearly 40 countries.
Sumitomo Mitsui Financial Group, Inc. (SMFG) is the holding company of SMBC Group, 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 relationships in Asia, the Group offers commercial and investment banking services to corporate, institutional, and municipal clients.
It connects a diverse client base to local markets and the organization’s extensive global network.
Operating companies in the Americas include Sumitomo Mitsui Banking Corp. (SMBC), SMBC Nikko Securities America, Inc., SMBC Capital Markets, Inc., SMBC MANUBANK, JRI America, Inc., SMBC Leasing and Finance, Inc., Banco Sumitomo Mitsui Brasileiro S.A., and Sumitomo Mitsui Finance and Leasing Co., Ltd.

Equal Opportunity

SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law.
If you need a reasonable accommodation during the application process, please let us know at accommodations@smbcgroup.com.