Associate, Structuring and Analytics

SMBC Group is a top-tier global financial group headquartered in Tokyo with a 400-year history, offering a diverse range of financial services including banking, leasing, securities, credit cards, and consumer finance. The Group operates over 130 offices and employs 80,000 people worldwide across nearly 40 countries. In the Americas, SMBC Group provides commercial and investment banking services to corporate, institutional, and municipal clients, connecting them to local markets and an extensive global network.

About the role

Develop and maintain cash flow models for assets and liabilities across multiple ABS asset classes using Excel and VBA. Convert transaction documentation into robust model logic, incorporating waterfalls, triggers, eligibility criteria, and structural protections. Apply rating agency methodologies, perform stress testing, and prepare analytical materials for rating agency review. Conduct pool selection analysis, collateral eligibility and concentration testing, and portfolio sensitivity analyses. Leverage Intex (Dealmaker, Intex Calc, CAS) to validate structures, map collateral data, and reconcile internal models with market standards.

Produce analytical deliverables including pool selection memoranda, model outputs, stress results, and execution exhibits for internal committees and external stakeholders. Support transactions from pre-mandate through closing, including scenario analysis, syndicate analytics, and cross-functional coordination. Enhance team efficiency through automation and process standardization using Excel, VBA, and Python. Partner with Capital Solutions, Lending, Structuring, Legal, and Syndicate teams to align analytics with execution. Communicate modeling results, structural considerations, and analytical insights while staying current on market trends, comparable transactions, and rating agency developments.

Responsibilities

• Help support new products and custom solutions to enhance yield, hedge or isolate specific exposures, identify tax or other liabilities, and offer unique ways to increase leverage within legal and regulatory constraints.
• Gather financial statements, levers, and drivers; prepare and review project and corporate financial models to advise clients on capital and deal structure.
• Develop an understanding of the company’s constraints and its financial, economic, fiduciary, legal, and tax environments.
• Organize and collect data and feedback from clients (e.g., fees and structure) to contribute to improved or customized products (e.g., tax deferrals, unique leverage opportunities).
• Collect and prepare market intelligence for product pricing; analyze potential deal pricing, dilution impacts, timing, and market acceptance.
• Partner with the broader origination team to streamline internal processes (e.g., information sharing for new securities, private transactions, and customized offerings).
• Create product presentation materials (e.g., pitch books, product highlights) and provide relevant background information on client relationships to support cross-selling meetings.

Requirements

• Master’s degree in finance, mathematics, mathematics of finance, or a related field plus 2 years of experience.
• Experience must include:
  • Cash flow modeling in Excel
  • Data processing and automation using Python and VBA
  • Interpretation and application of rating agency methodologies
  • Analysis and translation of deal documentation
  • Collateral analytics and pool selection
• The required skills do not need to be maintained over the full term of the required experience.

Pay

The anticipated salary range for this role is between $119,000.00 and $175,000.00. The specific salary offered will be based on individual qualifications, experience, geographic location, and market conditions for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award.

Benefits

SMBC offers a competitive portfolio of benefits to its employees. For more information, visit the Careers page.

Schedule

SMBC employees participate in a hybrid workforce model, allowing work from home and the office. Employees must live within a reasonable commuting distance of their office location. Specific hybrid work schedules will be discussed during the interview process. Hybrid work may not be permitted for certain roles, such as FINRA-registered positions requiring full-time in-office attendance.