Credit Review Officer

Credit Review OfficerJob Level: Vice President Job Function: Governance & Assurance Location: Charlotte, NC, US, 28202 Employment Type: Full TimeSMBC 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.SMBC Credit Review Department (CRVD) seeks a Credit Review Officer. As a Credit Review member of CRVD, the individual will be part of a dynamic team responsible for the independent review and ongoing monitoring of the quality of the credit portfolio of the SMBC Americas Division. The individual will get a chance to review the underwriting and the portfolio quality of a diverse sample of SMBC's portfolios. As part of its mandate, CRVD challenges internal ratings while assessing adherence with documented processes, methodologies as well as regulatory requirements. The group reports to the Audit Committee of the Board and its function is independent of the relationship and credit managers.Role Objectives: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 acceptablePerform continuous monitoring of credit portfolios and document findings which will be communicated to management and the Audit Committee of the BoardPrepare work papers, document exam results and conclusionsMonitor adherence to documentation, limits and risk mitigants including review of covenants and perfection of collateralEnsure that exams are performed in accordance with policies and proceduresAnalyze findings and formulate conclusions and adviceQualifications and Skills: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.Knowledge in credit analysis, accounting, corporate finance and/or researchExperience with credit/loan risk review process preferred.Formal credit training a plusKnowledge of bank regulations as it relates to lending and risk managementKnowledge of lending products, as well as capital markets/traded productsUnderstanding of credit/loan documentationStrong organizational skills and the ability to manage multiple assignments concurrentlyHighly motivated with strong academic backgroundStrong analytical and communication skillsAbility to work independently within a team structureFlexibility with the ability to learn quicklySMBC'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. 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. Smbc Global Foundation Inc