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About the Role

The Director–Credit Officer is responsible for reviewing and challenging credit applications from the front office, preparing executive summaries, and presenting recommendations to the Credit Department management. The role primarily covers lending transactions related to general corporate credit and associated financial products.

Responsibilities

• Analyze credit risk and transaction specifics, providing effective review and challenge to the front office.
• Prepare written executive summaries/comments of credit applications and present to Credit Department management.
• Engage with front office to assist with due diligence and structuring, identify key credit risks, and challenge assumptions.
• Coordinate the credit approval process between the front office and Credit Department management.
• Monitor credit quality of counterparties and transaction portfolio, providing feedback to business units.
• Provide feedback and guidance to business units to ensure compliance with internal policies and procedures.
• Monitor and supervise problem assets, including classified loans, and present reports to management.
• Contribute to portfolio review, loan reviews, and special credit reviews.
• Manage compliance with internal policies, workflow procedures, and US regulatory requirements.
• Stay informed about relevant regulations and industry best practices.
• Analyze counterparties and deals in different sectors as needed.
• Perform other credit-related works and projects as assigned.

Requirements

• Minimum 10+ years of relevant work experience, preferably within a credit risk function.
• Experience and knowledge of emerging countries and high yield / middle market corporate finance highly preferred.
• Prior experience interacting with US Regulators (Fed, OCC or FDIC) preferred.
• Knowledge of various corporate sectors in developed economies is also preferred.
• Ability to adapt to SMBC’s credit philosophy and risk appetite.
• Critical thinking to understand factors impacting portfolio creditworthiness and analyze complex information to render credit decisions.
• Risk sensitivity and ability to steer decisions through discussions with business units.
• Ability to manage significant deal volume in a fast-paced environment and analyze credit applications quickly.
• Strong organizational, oral, and written communication skills.
• Ability to communicate effectively with all levels of support and business partners.

Skills

• Credit risk analysis
• Financial product knowledge
• Executive summary preparation
• Due diligence
• Transaction structuring
• Credit risk monitoring
• Policy and procedure compliance
• Problem asset management
• Portfolio review
• Regulatory compliance
• Critical thinking
• Risk sensitivity
• Organizational skills
• Oral communication
• Written communication

Location

• US

Work Type

• Hybrid

Experience Level

• 10+ years

Education Level

• Undergraduate degree in Finance, Business Administration or related fields.
• MBA/CFA or other professional qualification highly preferred.

Salary/Compensations

• $178,000.00 - $231,000.00

Benefits

• Competitive portfolio of benefits
• Annual discretionary incentive award

About the Company

• SMBC Group is a top-tier global financial group headquartered in Tokyo with a 400-year history.
• Offers diverse financial services including banking, leasing, securities, credit cards, and consumer finance.
• Has over 130 offices and 80,000 employees worldwide in nearly 40 countries.
• Sumitomo Mitsui Financial Group, Inc. (SMFG) is the holding company and one of the three largest banking groups in Japan.
• SMFG 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.
• Provides commercial and investment banking services to corporate, institutional, and municipal clients in the Americas.
• Connects clients to local markets and its extensive global network.

Equal Opportunity

• SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law.