Credit Officer I (Hybrid)

Job Level: Analyst

Job Function: Lending Operations

Location:

Los Angeles, CA, US, 90071

Requisition ID: 6301

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 and . 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.

JOB SUMMARY:

The role involves evaluating financial risk by spreading financial statements and obtaining credit reports. It includes reviewing balance sheets and profit & loss statements, assessing liquidity, management quality, market position, and overall business climate to estimate future profitability. The position also requires maintaining credit files to meet compliance standards, preparing for internal and agency audits, and assisting the Credit Officer and Portfolio Manager with new and renewal loan information as needed.

PRINCIPAL DUTIES & RESPONSIBILITIES:

- Obtain and update financial information from RM & PM as needed to support credit analysis and reviews.
- Maintain organized and compliant credit files in accordance with internal standards and regulatory requirements.
- Assist Senior Credit Officers and Portfolio Managers (PMs) in evaluating new prospects and renewing existing credit portfolios.
- Spread and analyze financial statements using standard credit software such as Baker Hill or Moody’s CreditLens.
- Conduct detailed reviews of balance sheets, income statements, and cash flow to assess borrower creditworthiness.
- Monitor financial and reporting covenants to ensure ongoing compliance and flag potential issues for credit administration review.
- Support the loan boarding process and manage loan advances and paydowns.
- Input and monitor compliance with Credit Agreement covenants, ensuring timely updates and reporting.
- Provide guidance and mentorship to junior credit analysts in conducting financial analysis and preparing credit write-ups.
- Review and offer feedback on junior analysts’ work to ensure accuracy, consistency, and adherence to credit standards.

POSITION SPECIFICATIONS:

Education: Bachelor’s degree in finance, Accounting, Economics or a related field

Skills/ Qualifications:

- Experience: Minimum of 3–5 years in credit analysis or a combination of relevant education and experience.
- Financial Acumen: Strong ability to interpret financial statements, assess cash flow, and evaluate creditworthiness.
- Technical Proficiency: Skilled in using credit analysis software such asBaker Hill,CreditLens, or similar platforms.
- Attention to Detail: High level of accuracy in reviewing financial data, covenant compliance, and documentation.
- Communication Skills: Clear and professional written and verbal communication, including the ability to present credit recommendations and mentor junior staff.
- Time Management: Proven ability to manage multiple tasks and meet deadlines in a fast-paced environment.
- Software Skills: Proficient in Microsoft Excel and Word; experience withCreditLens (Moody’s Analytics)is a plus.
- Team Leadership: Experience or demonstrated ability to mentor junior credit analysts and support team development.

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 accommodations@smbcgroup.com.