Credit Analyst (Bilingual Japanese/English Required)

Sumitomo Mitsui Banking Corporation (SMBC) is a top-tier global financial group headquartered in Tokyo with a 400-year history. SMBC offers a diverse range of financial services, including commercial and investment banking, and operates in nearly 40 countries with over 130 offices and 80,000 employees worldwide. In the Americas, SMBC serves corporate, institutional, and municipal clients, connecting them to local markets and an extensive global network.

About the role

The Credit Analyst provides analytical and administrative support to the team, including preparing credit applications, reviewing quarterly loan reports, conducting regular credit reviews, and performing research and analytics.

Responsibilities

• Conduct analysis and research on borrower performance to assess historical performance and future projections.
• Perform quarterly and annual reviews of the loan portfolio, handling system and procedural issues such as internal grading, reporting, and ad hoc projects.
• Prepare credit applications, support due diligence processes, and manage day-to-day administrative activities for transactions.
• Assist with amendments, dividend transactions, loan closings, funding, and other credit events impacting borrowers.
• Assist in creating internal reports, including exposure, budget, inventory, and ad hoc reports for management.
• Gather support documentation to structure deals and draft pre-screen memos for the Credit Department.
• Undertake research and analytics on specific sectors, regions, or loans, and stay updated on current market conditions.

Requirements

• 0-2 years of comparable or relevant experience; experience at the analyst level in a corporate banking group preferred.
• 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, with personal ownership of assignments.
• Highly collaborative and flexible in a team and client environment; ability to form strong internal and external relationships.
• Ability to organize thoughts and clearly articulate points, providing summaries and explanations of transactions verbally or in writing.
• Experience preparing credit applications, performing cash flow analysis, interpreting financial statements, and strong accounting skills.
• Proficiency in MS Excel, Word, and PowerPoint.
• High attention to detail and ability to complete work accurately and on time against strict deadlines.
• Bachelor’s degree in Finance, Business, or Accounting preferred, or equivalent education and training.
• Business-level proficiency in both Japanese and English required.

Skills

• Quick learner with adaptability to new processes and systems.
• Works well in a culturally diverse and team-oriented environment.
• Intellectual curiosity and commitment to continuous learning.
• Ability to coordinate and communicate with various internal departments (middle/back office, global counterparts).

Pay

The anticipated salary range for this role is $67,000 to $80,000. The specific salary offered will be based on individual qualifications, experience, and market conditions 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.

Schedule

SMBC’s employees participate in a hybrid workforce model, requiring employees to live within a reasonable commuting distance of their office location. The specific hybrid work schedule will be discussed during the interview process. Hybrid work may not be permitted for certain roles, including FINRA-registered positions requiring full-time in-office attendance.