Credit Officer / Americas Large Corp Industrials & Materials

Role Description

The Director–Credit Officer’s main responsibility entails the review and challenge of credit applications submitted by the front office and the preparation / presentation of executive summaries and recommendations to the management of the Credit Department. The coverage mainly includes lending transactions related to general corporate credit and their related financial products (derivative, trade finance etc.). The scope of the analysis and the review includes, but not limited to, obligor credit risk, projections, transaction background, deal structure, facility terms and conditions, US regulatory classification, profitability, country & geopolitical risks and relationship strategy.

Qualifications And Skills

• Minimum 10+ years of relevant work experience preferably within a credit risk function (formal credit training preferred).
• Experience and knowledge of emerging countries and high yield / middle market corporate finance highly preferred.
• Prior experience interacting with US Regulators (Fed, OCC or FDIC) preferred.
• Knowledge of the various corporate sectors in developed economies is also preferred.
• Ability to adapt to SMBC’s credit philosophy and risk appetite.
• Critical thinking to understand factors impacting portfolio creditworthiness such as economics downturn, market volatility, industry disruptions or changes in interest rates, and ability to analyze a vast and complex amount of information and quickly render credit decisions.
• Risk sensitivity and ability to steer decisions through discussions with the business units.
• Ability to manage significant deal volume in a fast-paced environment and analyze credit application and prepare written summary in a short timeframe and in a multitasking environment.
• Strong organizational, oral, and written communication skills, with ability to communicate effectively with all levels of support and business partners.
• Undergraduate degree in Finance, Business Administration or related fields. MBA/CFA or other professional qualification highly preferred.