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 MANUBANK, JRI America, Inc., SMBC Leasing and Finance, Inc., Banco Sumitomo Mitsui Brasileiro S.A., and Sumitomo Mitsui Finance and Leasing Co., Ltd.

The anticipated salary range for this role is between $150,000.00 and $175,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees.

Role Description

SMBC is seeking a mid-level Associate to join its Credit Portfolio Management team. This role is responsible for managing a dynamic, multi-billion-dollar portfolio spanning corporate and leveraged finance across technology, media and the telecommunications sectors. Key responsibilities include ongoing credit monitoring as well as underwriting new transactions within the portfolio, such as refinancings and extensions.

The Associate will collaborate closely with senior bankers, credit, and risk professionals, and will actively participate in discussions with borrowers throughout the due diligence process. This position requires a self-starter with strong analytical capabilities who can independently assess credit risk, contribute meaningfully to transaction execution, and operate effectively across varying levels of seniority within the organization.

Role Objectives

• Conduct valuation analysis, financial modelling, and sector research to support client engagements and ongoing monitoring requirements.
• Proactively flag any early warning signals of credit deterioration or concerns.
• Prepare clear, concise and well-structured credit memoranda that effectively communicate key risks, financial insights and recommendations.
• Act as direct account manager for assigned portfolio of accounts.
• Assist Head of Portfolio Management in various reporting and presentations to senior management as well as support the overall monitoring and management of the portfolio.
• Review of projections and budget achievement.
• Utilize various IT systems including customer setup, compliance and portfolio management systems.

Qualifications and Skills

• Minimum of 3 years of experience in credit, lending, portfolio management, or a related corporate banking function preferred.
• Strong accounting, financial statement analysis, and credit underwriting skills, with the ability to independently evaluate capital structure, leverage, cash flow, repayment capacity, liquidity, industry trends, competitive positioning, customer-specific issues, and key risks and mitigants.
• Experience supporting credit approvals, annual reviews, amendment requests, refinancings, extensions, and internal committee processes.
• Ability to prepare clear, concise, and well-supported credit memoranda for senior management, credit officers, and other internal stakeholders.
• Strong verbal communication skills, including the ability to articulate credit views, present recommendations, and defend conclusions in a clear and professional manner.
• Working knowledge of loan documentation and key credit agreement terms, including covenants, reporting requirements, guarantees, collateral, and amendment/waiver provisions.
• Familiarity with bank regulatory policies, internal risk rating frameworks, credit grading systems, and portfolio review processes.
• Prior experience covering technology, media, and telecommunications companies is preferred but not required.
• Strong organizational skills, attention to detail, and ability to manage multiple priorities and deadlines with limited supervision.
• Self-starter with sound judgment, intellectual curiosity, strong ownership mindset, and willingness to escalate issues appropriately.
• Strong interpersonal skills and team orientation, with the ability to collaborate effectively across portfolio management, origination, credit, risk, legal, and other internal teams.

SMBC's employees participate in a Hybrid workforce model that provides employees with an opportunity to work from home, as well as, from an SMBC office. SMBC requires that employees live within a reasonable commuting distance of their office location. Prospective candidates will learn more about their specific hybrid work schedule during their interview process. Hybrid work may not be permitted for certain roles, including, for example, certain FINRA-registered roles for which in-office attendance for the entire workweek is required.

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