Associate - Credit Risk Analytics

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 $85,000.00 and $131,000.00. 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 Associate will support credit portfolio analytics and governance reporting for the Americas Division. The role is a key contributor to materials for internal risk committees and regulators, helping transform complex portfolio data into clear, actionable insights for senior management. The position requires strong analytical skills, credit risk knowledge, and the ability to write concise, well-structured presentations. Portfolio Analytics & Reporting Analyze credit portfolios to identify trends, sector and product concentrations, rating migrations, and emerging risks. Support recurring and ad hoc materials for risk stakeholders, including portfolio decks, sector reviews, and regulatory presentations. Maintain standardized reporting packs on criticized assets, watchlists, non-pass originations, and other key risk metrics. Incorporate stress-testing, risk appetite, and rating migration results into portfolio commentary. . Data, Infrastructure & Controls Support the ownership of endtoend credit risk reporting data pipeline, including data source, transformation, validation, and aggregation across multiple internal systems. Lead the development of credit risk dashboards covering exposure, concentrations, risk ratings, criticized assets, limits, and portfolio trends. Ensure dashboards are aligned with senior management and committee requirements, balancing analytical depth with clarity and usability. Partner with Data and Model Development teams to enhance credit risk databases, improve data controls, and ensure consistency of definitions and calculations across portfolios. Establish and maintain documentation for data lineage, assumptions, and calculation methodologies to support governance and regulatory reviews. Governance, Regulatory & Process Support Support credit risk governance processes, including committee materials, approvals, and action-item tracking. Recommend improvements to increase efficiency, transparency, and consistency of portfolio reporting Qualifications and Skills Required Qualifications Minimum 2 years of experience in financial services in credit risk, credit portfolio management, or risk/reporting roles. Solid understanding of credit risk concepts including internal ratings, risk appetite, criticized assets and watchlists, and governance frameworks. Experience working with large data sets and portfolio-level metrics. Advanced Excel skills (data manipulation, pivot tables, complex formulas); familiarity with PowerPoint for executive-ready presentations. Strong written and verbal communication skills, with the ability to synthesize complex analysis into concise messages. Bachelor’s degree in Finance, Economics, Accounting, Mathematics, Statistics, or a related analytical field. Preferred Qualifications 3–5 years of relevant experience in credit risk analytics, portfolio management, or risk reporting at a bank or large financial institution. Experience in a U.S. regulatory environment (Federal Reserve, OCC, or similar) or at a foreign banking organization. Experience using SQL or a programming language such as Python or R to query and analyze data. Familiarity with business intelligence or visualization tools such as Power BI or Tableau. Professional certifications or coursework in risk management, credit analysis, or data analytics (FRM, CFA, or similar) are a plus. Personal Attributes Strong attention to detail and high standards for accuracy and data quality. Curious and willing to dig into underlying drivers of portfolio changes. Able to manage multiple recurring deadlines and prioritize effectively. Self-starter who takes ownership while collaborating closely with team members and stakeholders. Professional, organized, and motivated to improve processes and the clarity of risk communication. 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 View email address on click.appcast.io.