SMBC Group is looking for a Credit Officer to join our team. This role leverages strong credit and quantitative skills to analyze the credit risk of project finance transactions in Latin America. As part of SMBC’s 2nd Line of Defense (2LoD), your core function is to review credit applications from the front office and prepare executive summaries for the management of the Credit Department.
What You'll Do
- Analyze various risk elements of project finance transactions in Latin America and present written executive summaries to Credit Department management.
- Oversee the maintenance of credit quality and provide feedback to business units to ensure consistent and complete credit applications.
- Provide guidance to business units to ensure compliance with internal standards.
- Provide feedback to the front office on deal structures to mitigate identified risks.
- Closely review transaction grading models to ensure accuracy and consistency.
- Monitor and supervise problem loans including Warning/Special Mention Obligors and present written memorandum/reports to management.
- Manage compliance with internal policies, work flow procedures, and regulations.
- Perform other credit-related work and projects as assigned.
- Utilize a deep understanding of US Regulatory Classification guidelines to review and approve proposed risk ratings.
What We're Looking For
- A minimum of 3-5 years of relevant work experience in the credit department of a major project finance bank.
- Superior attention to detail, and the ability to quickly identify and focus on key risk factors of highly structured transactions.
- Ability to visually present complex concepts with graphs, tables, and flow charts.
- Flexibility to work under tight deadlines and in a multitasking environment.
- Spanish language proficiency.
- In-depth knowledge of project finance, corporate finance, and accounting.
- Critical thinking and ability to analyze a vast and complex amount of information to quickly render credit decisions.
- Risk sensitivity and ability to steer decisions through discussions with business units.
Nice to Have
- Experience facing regulators at SNC, TLR, or similar exams.
- Knowledge of regulatory ratings.
Team & Environment
You will be part of SMBC's 2nd Line of Defense (2LoD), reviewing credit applications from the front office (1LoD). You will report directly to the Management of the Credit Department.
Benefits & Compensation
- Salary range: $138,000–$185,000.
- Competitive portfolio of benefits.
- Eligibility for an annual discretionary incentive award.
Work Mode
This role follows a hybrid work model.
SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law.
