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About the Role

Perform ongoing credit monitoring for a portfolio of project finance borrowers, ensuring compliance with credit policies and identifying potential credit issues early.

Responsibilities

• Perform ongoing credit monitoring for a portfolio of project finance borrowers, ensuring compliance with credit policies.
• Identify potential credit issues early by continuously reviewing portfolio performance and risk indicators.
• Analyze amendment, consent, and waiver requests, assess credit impact, and prepare recommendations for credit approval.
• Prepare periodic credit reviews and maintain up-to-date reporting on portfolio quality.
• Collaborate with borrowers, legal counsel, engineers, and consultants to manage consent processes and negotiate changes to financing documentation.
• Monitor and report on portfolio performance against established criteria, recommending rating or grading adjustments where appropriate.
• Support risk mitigation through counterparty credit analysis and strategies to reduce credit exposure.
• Ensure accurate KYC information and maintain required compliance documentation for all borrowers.
• Prepare credit applications and internal memos presenting well-structured arguments and recommended actions.

Requirements

• Bachelor’s degree in finance, or a related field plus 2 years of experience.
• Experience must include financial statement analysis capabilities.
• Experience must include financial modeling proficiency.
• Experience must include understanding of legal agreements and contractual documentation.
• Experience must include expertise in credit risk assessment and evaluation.
• Experience must include analytical writing skills.
• Experience must include ability to interpret engineering studies and technical reports.

Skills

• Financial statement analysis
• Financial modeling
• Understanding of legal agreements and contractual documentation
• Credit risk assessment and evaluation
• Analytical writing
• Ability to interpret engineering studies and technical reports

Location

• US
• Canada
• Mexico
• Brazil
• Chile
• Colombia
• Peru

Work Type

• Hybrid remote work is permitted.
• 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.

Experience Level

• 2 years of experience

Education Level

• Bachelor’s degree in finance, or a related field

Salary/Compensations

• $85,000.00 - $150,000.00
• The role may also be eligible for an annual discretionary incentive award.

Benefits

• Competitive portfolio of benefits to its employees.

About the Company

• 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 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.