Hybrid Credit Review Officer: Portfolio Examiner

SMBC Group; Charlotte (NC); Hybride; USD 180 000 - 260 000; Plein temps

Résumé du poste

SMBC Group is seeking a Credit Review Officer in the Americas to join the CRVD team. The role involves independent review and ongoing monitoring of the credit portfolio quality across SMBC’s Americas division, examining underwriting and portfolio performance.

You will challenge internal ratings, ensure compliance with policies and regulatory requirements, and report findings to management and the Audit Committee. Prior Project Finance experience is strongly preferred.

Qualifications

• 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.
• Prior Project Finance experience preferred.
• 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

Responsabilités

• 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

Description du poste

SMBC Group is seeking a Credit Review Officer in the Americas to join the CRVD team. The role involves independent review and ongoing monitoring of the credit portfolio quality across SMBC’s Americas division, examining underwriting and portfolio performance.

You will challenge internal ratings, ensure compliance with policies and regulatory requirements, and report findings to management and the Audit Committee. Prior Project Finance experience is strongly preferred.