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About the Role

The Global Financial Institutions Group (GFIG) is seeking an Analyst/Associate to join its Insurance Client Coverage team. This role supports the origination of financing, liquidity, and risk management solutions, capital raising transactions, and advisory engagements for insurance companies and financial sponsors.

Responsibilities

• Demonstrate a strong team-oriented mindset and the ability to collaborate effectively with colleagues across product groups, industry teams, and geographic regions.
• Manage multiple projects simultaneously while maintaining a high degree of accuracy, organization, and attention to detail.
• Partner with GFIG's Insurance Client Coverage team as an integral part of debt capital markets origination efforts, and collaborating with Banking, Advisory, and Global Markets professionals to deepen client relationships, identify opportunities, and drive new business development.
• Play a key role in the origination, approval, and execution of corporate lending transactions, including deal structuring, pricing, term sheet negotiation, financial modeling and analytics, credit and risk analysis, profitability assessment, capital allocation, legal documentation review, and ongoing portfolio monitoring.
• Develop an understanding of insurance company accounting, rating agency, and regulatory capital frameworks, including Statutory Accounting, U.S. GAAP, IFRS, Risk-Based Capital (RBC), Solvency II, the Solvency Modernization Initiative (SMI), and IAIS capital standards.
• Build expertise in insurance company capital structures and leverage considerations, with particular focus on rating agency methodologies and the treatment of debt, hybrid, and contingent capital instruments.

Requirements

• Bachelor's degree in Finance, Economics, Accounting, or a related field.
• 1-3 years of experience in corporate finance, corporate banking, debt capital markets, investment banking, ratings advisory, or a related field at a leading financial institution or rating agency.
• Strong financial modeling, analytical, and quantitative skills, with the ability to assess credit, capital, and liquidity profiles.
• Excellent written and verbal communication skills, including the ability to prepare client presentations, credit memoranda, and transaction-related materials.
• Experience within the insurance sector is preferred, although candidates with broader financial institutions or corporate banking experience will also be considered.
• Demonstrated interest in insurance markets, capital structures, and strategic financing solutions.

Skills

• Financial modeling
• Analytical skills
• Quantitative skills
• Credit assessment
• Capital assessment
• Liquidity profile assessment
• Written communication
• Verbal communication
• Client presentations
• Credit memoranda preparation
• Transaction-related materials preparation
• Insurance sector experience (preferred)
• Financial institutions experience
• Corporate banking experience
• Insurance markets knowledge
• Capital structures knowledge
• Strategic financing solutions knowledge

Location

• US

Work Type

• Hybrid

Experience Level

• Analyst
• Associate
• 1-3 years

Education Level

• Bachelor's degree

Salary/Compensations

• $110,000.00 - $200,000.00

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.
• The Group offers diverse 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.
• The Group offers commercial and investment banking services to corporate, institutional, and municipal clients in the Americas.
• It connects a diverse client base to local markets and its 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.