Credit Risk Officer

2 days ago

New York, NY, United States Sumitomo Mitsui Trust Bank Full time
This role is located in New York City and will require a hybrid work schedule of at least 2 days in office per week.

About the Bank:

Sumitomo Mitsui Trust Bank, Limited was established through the merger of The Sumitomo Trust and Banking Co., Ltd with Chuo Mitsui Trust and Banking, Ltd. on April 1, 2012. We are one of the largest asset managers in Asia and number one among Japanese financial institutions by AUM, with approximately $850 Billion USD in AUM. The Bank provides an assortment of financial solutions and manages a broad spectrum of financial products across its global branches.

This role is open to candidates with AVP level experience.

Department Overview:

The Americas Division ("AD") was established in the Sumitomo Mitsui Trust Bank, Limited, New York Branch) ("SMTBNY") to perform corporate functions and supervise U.S. entities. Established under the AD are the "Global Banking Unit ("GBU"), Americas Division" and "Global Markets Unit ("GMU"), Americas Division" which performs business functions. FRM, as the second line of defense in the Branch, provides independent measurement, monitoring and evaluation services related to Financial Risks (Credit, Market and Liquidity), in addition to the efforts by process/business owners (Global Banking Unit and Global Market Unit) as the first line of defense. Financial Risk Management ("FRM") establishes appropriate policies, procedures, and the risk management framework to evaluate the financial risks inherent in the Branch operations. FRM also conducts special scenarios analysis to quantitatively and qualitatively assess financial risk faced by the Branch and provides objective assessment of the Financial Risk to the Branch Management and the Head Office. FRM is directly involved in all financial risk related projects, matters and issues.

Position Overview

Fully knowledgeable on the day-to-day activities, resolves complex issues where expertise is required to interpret policies, guidelines, and practice. May be considered a subject matter expert for one or more functions or processes. Focus on operational execution and occasional broader planning within areas of expertise. May have direct report subordinate staff

Your Duties and Responsibilities:
  1. Assist in the enhancement and effective oversight of the Branch's Risk Management Framework and related risk-control policies and procedures.
  2. Perform independent loan reviews to evaluate the creditworthiness of the obligor and/ or credit facility and to assign a risk rating to provide an independent periodic and objective assessment of the underlying credit by analyzing financial statements and other external data obtained from external sources.
  3. Assist in the coordination, preparation, and presentation of the monthly and quarterly credit risk monitoring results at the Credit Portfolio Risk Management Meeting.
  4. Assist in the preparation of periodic risk monitoring materials for the Head Office Risk Management Department.
  5. Maintain an advanced level of understanding of credit risk policies/requirements, regulatory expectations and contribute to improving effectiveness and efficiency of the credit risk analysis processes/methodologies.
  6. Attend GBU's Focus List Meetings
  7. Perform other duties and responsibilities as assigned by management.
  8. Perform ad hoc risk analyses as needed by managemen
Your Knowledge, Skills, and Abilities:
  1. Masters degree or its equivalent in statistics or economics or in quantitative discipline.
  2. CFA/FRM candidate or charter holder desired.
  3. Proficient in Excel, Word, PowerPoint, Access.
  4. Modeling understanding and capabilities.
  5. Strong oral and written communication skills.
  6. Strong quantitative and computer skills.
Your Qualifications
  1. MBA degree in relevant field or its equivalent with at least 5 years of related experience.
  2. Advanced in Microsoft 365 (Excel, PowerPoint, Word, Outlook, and Access).
  3. Excellent written and oral communication skills. Demonstrates the ability to effectively collaborate, multitask, problem solve, recommend actions, manage time, and manage employees.
  4. Accountable for multiple large, complex processes and programs that impact the department and the Americas Division. Develops staff for current and long-term department needs by providing feedback, guidance, and mentorship.
  5. Strong understanding of the Americas Division business lines, products, and services and a strong understanding of the department discipline, policies, and procedures. Applies advanced knowledge to produce "value-added" results.
  6. Achieves cost savings through the prudent use of resources. Prevents potential liabilities by ensuring compliance in area of responsibility by training staff to adhere to procedures and regulations.

Why you should join SuMi Trust:

SuMi Trust embraces flexible ways of working when the business and role permits. We provide employees with a hybrid working model, allowing for in-office work and work from home. Our diverse and inclusive environment along with our global presence enables us to collaborate and communicate to meet our business needs. We believe that efficient teams need truth, loyalty, and a strong sense of purpose to balance risk and their targets. We make sustainable business decisions to improve our society and the world. We believe that each person brings a unique value that drives the business though their creativity and passion.
  • The Employee Benefits package includes: Paid Time Off, medical, HSA, vision, dental, FSA, 401(k), profit sharing, legal plan, cancer indemnity plan, disability insurance, life insurance, employee assistance program, commuter benefits, business travel accident, paid volunteer day, paid memberships, paid seminars, and tuition assistance.
  • We offer many socialization opportunities for wellness, financial wellbeing, runs/walks, team building, happy hours, and activities to support the Sustainable Developmental Goals.

Check out our LinkedIn for our employee experience: https://www.linkedin.com/company/smtbny

We are 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. SuMi Trust provides reasonable accommodations for employees and applicants with disabilities consistent with applicable law. If you need a reasonable accommodation during the application.

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