Credit Associate (Bilingual Japanese/English Required)

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 $78,000.00 and $125,000.00. 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 The main function of this position is to analyze credit of US subsidiaries of Japanese and/or Asian companies to prepare credit applications. Report to a team leader and collaborate with relationship managers. Also, the function requires communicating credit departments in the US and Japan.Role Objectives

Conduct analysis and research on the performance of borrowers and parents to assess historical performance and future projections; ie. cash flow analysis, risk capital calculations. Gather support documentation to structure deals, liaise with middle and back office for KYC purposes, and assist in drafting pre screen memos for the Credit Department. Conduct quarterly and annual reviews of loan portfolio and handle a variety of system and procedural issues related to the borrowers such as internal grading, monthly/quarterly reporting, and other ad hoc projects. Assist with amendments, new originations, loan closings and funding, and other credit events that may impact the borrower. Undertake research and analytics related to specific sectors, regions or loans, and stay abreast of current market conditions. Provide ad hoc reports for management. Qualifications and Skills

Formal credit training preferred. Minimum 5 years of experience working at a corporate bank or other financial institution. Highly proficient MS Excel, Word and PowerPoint skills are required. Bachelor’s degree in Finance, Business or Accounting preferred or equivalent education and training. Japanese language skill is required. 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 .