Corporate Finance jobs in United States

SMBC: A trusted partner for the long term

Here at SMBC Group, we want to help you find the next step in your career so read on to discover if this opportunity is the one for you. We like to recognise potential in our people, so we welcome your application even when your experience doesn't perfectly align with the job description. Whilst we'll always strive to be better, we're proud of our inclusive culture, and encourage our applicants and colleagues to be their authentic, unique selves.

United by a sense of purpose towards our customers - to be a trusted partner for the long-term - and our universal banking platform in EMEA, SMBC Group has an international growth agenda and award-winning products, meaning we provide exciting opportunities to work on a diverse range of projects and initiatives. We deliver a full suite of corporate finance products and solutions to our customers as well as investment banking and advisory services, and a range of innovative solutions in global capital markets. Read on to find out how you could enhance your skills and gain valuable experience, by joining us to support our clients transition to a sustainable future.

Is the next step in your career at SMBC Group EMEA? We're looking for a CREDIT REVIEWER to join our Audit Department Credit Review (ADCR) team.

This role supports the Audit Department in providing assurance to management that the grading applied to the obligors reviewed is appropriate and Bank procedures have been followed. It also assists ADCR in managing key stakeholder relationships and supports ADCR with industry / product specific knowledge based on areas of expertise.

• Proven experience in credit analysis and management within major UK or international banks is essential.
• A clear understanding of the credit risk environment relevant to the business being reviewed, including complex financing, is required.
• Preferred candidates will have experience in Project Finance or Leveraged Finance.
• Attention to detail is necessary for reviewing and documenting work, interpreting findings, and identifying trends.
• Proficiency in IT with a data-driven approach is required.
• Strong verbal and written communication skills are essential for efficiently completing reviews, preparing reports, documenting findings, and liaising with key stakeholders and ADCR management.

The objective of Audit Department Credit Review (ADCR) Group is to provide reasonable assurance over the credit grading process and effective management of credit risk operating within SMBC BI/SMBC EMEA Region. ADCR review a risk-based sample of the credit monitoring applications which were conducted by Front office and approved by Credit Dept. as ADCR is part of the Bank's Audit Department and 3rd Line of Defence (3LoD). ADCR activities include Continuous Review, Branch Credit Review, Self-Assessment (SA) Classification Review and Discounted Cash Flow (DCF) Reviews. ADCR covers all Bank products including project finance, leveraged finance, aviation and shipping.

The ADCR Credit Reviewer is responsible for credit reviews assigned by the relevant Credit Review Partner within the budgeted timeframe. Reviews will normally relate to more complex financing including deteriorating credits. The ADCR Credit Reviewer interacts with ADCR team members and ADCR Management up to ED/MD level.

• Conducting a review of credit applications to determine, based on the agreed sampling methodology, which application will require a Full File Review.
• Conducting a Full File Review of assigned credit applications to ensure accuracy of the Obligor and Facility Grades as well as Borrower's Category (if applicable).
• Discussing issues found and raise questions with FO person in charge when clarifications are required to complete the credit reviews.
• Discussing and agreeing with the Credit Review Partner Findings and Recommendations that need to be raised.
• Submit reviews to the Credit Review Partner for approval including draft Recommendations and Other Findings.
• Undertaking the follow-up and closure of any Recommendations raised.
• Completing any other ad-hoc tasks assigned by Credit Review Partner including Self-Assessment Classification Review or DCF Review.
• Deputising for Credit Review Partner in 1) attending Special Credits Review (SCR) meetings as observer, 2) arranging and chairing periodic meetings with stakeholders.
• Cross-training of staff across the different products / areas of expertise.
• Leading Branch Credit Review process and ADCR's participation in Internal Audit on-site as Subject Matter Expert for Credit.

• The role requires knowledge of credit related rules and procedures which are specific to the Bank.
• Negotiating and influencing skills are expected to interact with FO/CD.
• Having a clear understanding of the different credit-related products offered by the Bank, their complexities, and risks.

• Customer Focus
• Driving Change
• Driving Results
• Embraces Diversity
• Enterprise Leadership
• Judgement and Decision Making
• Risk Management
• Strategic and Visionary
• Trust and Integrity

For all the expertise and experience you bring to help us make a difference, it's only sustainable if we support you to build your career and be your best self so we offer competitive company benefits, centred around promoting positive well-bring and work-life balance. We also believe in fostering a diverse and inclusive work environment, where all team members perspectives and contributions are valued. Initiatives in place which promote a diverse and inclusive culture and healthy work life balance include hybrid working, Sport & Social Clubs and Diversity and Inclusion networks.

As an employee of SMBC you have access to a host of both useful and exciting benefit offerings. See below some of the benefits on offer to you:

• Hybrid and flexible working
• Competitive paid leave days
• Benefits to support your physical wellbeing, including private medical insurance and life and invalidity insurance
• Various policies to support your mental wellbeing, including a robust behavioural health network with counselling and coaching services
• Access a wide range of learning and development opportunities and career progression opportunities
• Ambitious remuneration package

So, if you like a challenge and want to continuously grow and develop in a role where you will be supported along the way by a dynamic and diverse team, apply today!!

We recognise our role as a bank to support social change and welcome all applications, including those from groups often under-represented in financial services. We value the uniqueness of professional and personal, backgrounds and perspectives as they play a vital role in continuing the sustainable growth of our organisation. We'll ensure reasonable adjustments to our recruitment process are offered due to a disability or long-term condition whenever requested.

A trusted partner for the long term

United by a sense of purpose towards our customers - to be a trusted partner for the long-term - and our universal banking platform in EMEA, we deliver a full suite of corporate finance products and solutions to our customers, including corporate, structured and trade finance, leveraged finance, loan market and treasury products. We can also provide investment banking and advisory services and a range of innovative solutions in global capital markets.

Find out more about what we do and who we are at https://www.smbcgroup.com/emea/careers

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