Credit Analyst (Bilingual Japanese/English Required)

SMBC Group is a top-tier global financial group offering a diverse range of financial services. They are hiring a Credit Analyst to provide analytical and administrative support, including preparing credit applications, conducting credit reviews, and performing research and analytics on borrowers' performance.

Responsibilities

• Conduct analysis and research on the performance of borrowers to assess historical performance and future projections
• Perform 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
• Prepare credit applications, support due diligence processes and day-to-day administrative activities for transactions
• Assist with amendments, dividend transactions, loan closings and funding, and other credit events that may impact the borrower
• Assist in the creation of internal reports, including those reports relating to exposure, budget and inventory as well as ad hoc reports for management
• Gather support documentation to structure deals and assist in drafting pre-screen memos for the Credit Department
• Undertake research and analytics related to specific sectors, regions or loans, and stay abreast of current market conditions

Skills

• 0-2 years of comparable or relevant experience
• Able to quickly learn and adapt to new processes and systems
• Works well in a culturally diverse and team oriented environment
• Demonstrates intellectual curiosity and an interest in continuous learning
• Strong analytical and critical thinking skills, ability to synthesize large amounts of information, analyze risk and identify mitigating factors
• Self-driven and motivated; takes personal ownership of specific assignments
• Highly collaborative and flexible in a team and client environment and ability to form good relationships internally and externally
• Able to coordinate and communicate with various internal departments across the bank (middle/back office, global counterparts)
• Ability to organize thoughts and clearly articulate points and provide summaries and explanations of transactions, verbally or in writing to management or other internal departments
• Experience in preparing credit applications, performing cash flow analysis, ability to read and interpret financial statements, and strong accounting skills
• Must be proficient in the use of MS Excel, Word and PowerPoint
• Demonstrates a high degree of attention to detail and an ability to complete work accurately and in a timely manner against strict deadlines
• Japanese and English language skills (business level) required
• Experience at the analyst level in a corporate banking group preferred
• Bachelor's degree in Finance, Business or Accounting preferred or equivalent education and training

Benefits

• 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.
• 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.
• SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law.

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