Analyst, Credit Administration

The position is responsible for report preparation, reviews, application schedule, and other credit-related control. This position also performs credit reviews and applications of customers. This includes the production of a credit application, credit review, and credit grading. This position is responsible for the thorough and accurate analysis and assessment of the creditworthiness of the bank’s customers. Additionally, the hire, during the credit analysis process, reviews and ensures compliance with all covenants and terms and conditions of the credit and reviews all associated documentation and collateral.

Job Description

Analyses borrowers’/potential borrowers’ financial statements, industry trends, economic conditions, prepares long-term projects, assesses risk, and compiles credit applications with high quality standards.
Ensure the credit applications are in accordance with banking regulations, internal documentation, and best practices.
Prepares accurate daily, weekly, and/or monthly reports on borrowers (facilities and exposure, etc.) to circulate to the Department Head, Account Officers, and Management.
Monitor, control, and inform accounts officers of credit-related trigger events and financial release of customers in a timely manner.
Update portfolio database after applications and reviews are approved.
Investigates, researches, and discusses borrower requirements and transactions with deal administrators and account managers related to credit applications.
Responds to relevant Credit Department’s pre-approved requests by investigating and assessing validity with respect to changes in condition in a bilateral loan, to protect the Bank’s position and preserve the credit quality.
Coordinates with account managers or customers on financial reports and other specific requirements.
Controls and monitors reviews and application schedules carefully.
Prepares and provides special reports on borrowers and industry research upon request by the Department Head or account officers.
Assists Department Head in completing special projects as requested.
Ensures to be in full compliance with all the Bank’s policies and procedures, including Anti-Money Laundering policies, and the requirements of the relevant regulatory bodies as communicated by SMBCC’s Compliance Department.

Additional Requirements

Interpersonal/Communications
Internal: Most Bank departments to exchange information, especially the Corporate Banking team.
External: Customers to provide financial information or data.

Job Specifications

Knowledge: Undergrad degree (preferably in Business, Commerce, Economics, or equivalent).
Experience: Minimum 5 years previous related corporate banking experience, working in a high-pressure, deadline-driven work environment. Able to work independently on projects with little oversight.
Experience in preparing credit applications, performing cash flow analysis, ability to read and interpret financial statements, and strong accounting skills.
Skills: Good interpersonal, strong organizational, and communication skills. Demonstrate a high degree of attention to detail and ability to multi-task & work in a fast-paced environment.
Strong analytical and critical thinking skills, ability to synthesize large amounts of information, analyze risk, and identify mitigating factors.
Computer Applications: GBR (SMBC proprietary system), Loan IQ, Microsoft Office (including Word and Excel), S&P Cap IQ, and Bloomberg.

Working Conditions

Time pressure/deadlines -- Significant
Stress of multiple demands -- Significant
Attention to details -- Significant
Environment -- Open office / Hybrid Work Model
Other – Availability for weekday evenings and weekend on-call schedules required to support critical operations.

About SMBC

SMBC Group is a top-tier global financial group. Headquartered in Tokyo and 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 the capital strength of SMBC Group and the value of its relationships in Asia, the Group offers a range of commercial and investment banking services to its corporate, institutional, and municipal clients. It connects a diverse client base to local markets and the organization’s 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 Rail Services LLC, Manufacturers Bank, JRI America, Inc., SMBC Leasing and Finance, Inc., Banco Sumitomo Mitsui Brasileiro S.A., and Sumitomo Mitsui Finance and Leasing Co., Ltd.

SMBC provides reasonable accommodations for employees and applicants with disabilities consistent with applicable law. If you need a reasonable accommodation during the application process, please let us know at SMBCCB_Accessibility_Canada@smbcgroup.com.

SMBC is an EO employer – M/F/Veteran/Disability