Credit Analyst (Bilingual Japanese/English Required)

Company Overview

SMBC Group is a top-tier global financial group headquartered in Tokyo 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 SMBC Group’s capital strength and the value of its relationships in Asia, the Group provides commercial and investment banking services to corporate, institutional, and municipal clients. It connects a diverse client base to local markets through its 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.

Compensation and Benefits

The anticipated salary range for this role is between $67,000.00 and $80,000.00. The specific salary offered will be based on the applicant’s qualifications and experience, as well as an analysis of current compensation in the applicant’s geography and the market for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees.

Role Description

Sumitomo Mitsui Banking Corporation is hiring a Credit Analyst. The main function of this position is to provide analytical and administrative support to the team, including preparing credit applications, reviewing quarterly loan reports, conducting regular credit reviews of loans in the portfolio, providing research and analytics, and performing other administrative tasks as required.

Role Objectives

• Conduct analysis and research on the performance of borrowers to assess historical performance and future projections.
• Perform quarterly and annual reviews of the loan portfolio, and handle system and procedural issues related to borrowers (e.g., internal grading, monthly/quarterly reporting, and other ad hoc projects).
• Prepare credit applications and support due diligence processes and day-to-day administrative activities for transactions.
• Assist with amendments, dividend transactions, loan closings and funding, and other credit events that may impact the borrower.
• Assist in the creation of internal reports, including reports related to exposure, budget and inventory, as well as ad hoc reports for management.
• Gather support documentation to structure deals and assist in drafting pre-screen memos for the Credit Department.
• Undertake research and analytics related to specific sectors, regions, or loans, and stay abreast of current market conditions.

Qualifications and Skills

• 0–2 years of comparable or relevant experience. Experience at the analyst level in a corporate banking group preferred.
• Able to quickly learn and adapt to new processes and systems; works well in a culturally diverse, team-oriented environment; demonstrates intellectual curiosity and interest in continuous learning.
• Strong analytical and critical thinking skills, with the ability to synthesize large amounts of information, analyze risk, and identify mitigating factors.
• Self-driven and motivated; takes personal ownership of assigned work.
• Highly collaborative and flexible in a team and client environment; able to form strong internal and external relationships.
• Ability to coordinate and communicate with various internal departments across the bank (middle/back office and global counterparts).
• Ability to organize thoughts and clearly articulate points, providing summaries and explanations of transactions verbally or in writing to management or other internal departments.
• Experience preparing credit applications, performing cash flow analysis, reading and interpreting financial statements, and strong accounting skills.
• Must be proficient with MS Excel, Word, and PowerPoint.
• High attention to detail and ability to complete work accurately and in a timely manner against strict deadlines.
• Bachelor’s degree in Finance, Business, or Accounting preferred (or equivalent education and training).
• Japanese and English language skills at a business level required.

Work Arrangement

SMBC’s employees participate in a Hybrid workforce model that provides opportunities to work from home and from an SMBC office. SMBC requires employees to live within a reasonable commuting distance of their office location. Prospective candidates will learn more about their specific hybrid work schedule during the interview process. Hybrid work may not be permitted for certain roles, including certain FINRA-registered roles that require in-office attendance for the entire workweek.

Reasonable Accommodations

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.