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Senior Credit Review Officer, Vice President

Company: Sumitomo Mitsui Banking Corporation
Location: White Plains
Posted on: June 9, 2021

Job Description:

Overview

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

As a Senior 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.

Responsibilities

Key responsibilities include:

  • 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

SKILLS / EXPERIENCE

  • 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

COMPETENCIES

  • Functional Expertise - Keeps up-to-date with emerging regulatory, business, economic, and market trends
  • Technical Skills - Possess strong technical skills, pays attention to detail, takes initiative to broaden his/her knowledge and demonstrates appropriate financial/analytical skills
  • Project Management Skills - Ability to organize 3 month reviews of portfolios including planning, fieldwork and reporting ensuring seamless coordination of the review team and timely completion.
  • Drive and Motivation - Ability to handle multiple tasks, takes initiative to improve his/her own performance, works intensely towards extremely challenging goals and persists in the face of obstacles or setbacks
  • Client and Business Focus - Effectively handles difficult requests, builds trusting, long-term relationships with stakeholders, helps to identify/define needs while managing client/business expectations
  • Teamwork - Strong team player that collaborates with others within and across teams. Encourages other team members to participate and contribute and acknowledges others' contributions
  • Communication Skills - Communicates what is relevant and important in a clear and concise manner and shares information/new ideas with others
  • Judgement and Problem solving - Anticipates questions, plans for contingencies, finds alternative solutions and identifies clear objectives. Sees the big picture and effectively analyses complex issues
  • Innovation - Looks for new ways to improve current processes
  • Influencing Outcomes - Presents opinions in a sound, persuasive manner. Formulates a position on issues and influences others' opinions; presents persuasive recommendations

Keywords: Sumitomo Mitsui Banking Corporation, White Plains , Senior Credit Review Officer, Vice President, Other , White Plains, New York

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