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Credit Review Specialist
2 months ago
SMBC Group is a leading global financial institution with a rich history and diverse range of financial services. As a Credit Review Officer, you will be part of a dynamic team responsible for the independent review and ongoing monitoring of the quality of the credit portfolio of the SMBC Americas Division.
The role involves reviewing the underwriting and portfolio quality of a diverse sample of SMBC's portfolios, challenging internal ratings, and assessing adherence to documented processes, methodologies, and regulatory requirements. The team reports to the Audit Committee of the Board and operates independently of the relationship and credit managers.
Key Responsibilities:- Execute and lead exams to independently challenge and assess the credit and financial strength of borrowers to determine if internal ratings and levels of credit exposure are acceptable
- Perform continuous monitoring of credit portfolios and document findings which will be communicated to management and the Audit Committee of the Board
- Prepare work papers, document exam results, and conclusions
- Monitor adherence to documentation, limits, and risk mitigants, including review of covenants and perfection of collateral
- Ensure that exams are performed in accordance with policies and procedures
- Analyze findings and formulate conclusions and advice
- Bachelor's and/or Master's degree with a minimum of 10 years of work experience in credit risk management, underwriting, lending, or review with experience in diverse sectors, including corporates and industrials, commercial real estate, energy, financial institutions, leasing, structured finance, rail finance, or subscription financing
- Knowledge in credit analysis, accounting, corporate finance, and/or research
- Experience with credit/loan risk review process preferred; formal credit training a plus
- Knowledge of bank regulations as it relates to lending and risk management
- Knowledge of lending products, as well as capital markets/traded products
- Understanding of credit/loan documentation
- Strong organizational skills and the ability to manage multiple assignments concurrently
- Highly motivated with strong academic background
- Strong analytical and communication skills
- Ability to work independently within a team structure
- Flexibility with the ability to learn quickly
SMBC is committed to 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. Prospective candidates will learn more about their specific hybrid work schedule during their interview process.
SMBC is 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.