Credit Review Officer

The anticipated salary range for this role is between $145,000.00 and $185,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their 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

SMBC Credit Review Department (CRVD) seeks a Credit Review Officer.

As a Credit Review member of CRVD, the individual 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 individual will get a chance to review the underwriting and the portfolio quality of a diverse sample of SMBC’s portfolios.

As part of its mandate, CRVD challenges internal ratings while assessing adherence with documented processes, methodologies as well as regulatory requirements.

The group reports to the Audit Committee of the Board and its function is independent of the relationship and credit managers

Role Objectives

• 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

Qualifications and Skills

• Bachelor’s and / or Masters’ degree with 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
30+ days ago