Oferta de trabajo: Credit Analyst II - Los Angeles, CA

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.

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.

DUTIES & RESPONSIBILITIES:

• Obtain updated financial information as needed.

• Assist Credit Officers (CO) and Portfolio Managers (PM) in supporting new prospects and renewing existing portfolios.

• Spread financial statements using standard financial software, such as Baker Hill or CreditLens.

• Analyze financial information to assess the customer’s creditworthiness.

• Conduct reviews of balance sheets and profit & loss statements.

• Assess liquidity, quality of management, market position, and overall business climate to estimate future profitability.

• Obtain background searches for businesses and individuals.

• Maintain credit files and ensure compliance with standards.

• Monitor financial and reporting covenants for credit administration review.

• Assist in the boarding process and manage loan advances/pay downs.

• Key-in and monitor compliance with Credit Agreement covenants

POSITION SPECIFICATIONS:

Education: Bachelor’s degree or equivalent

• Minimum of two years of experience in Credit Analysis

• Proficiency in applying financial and mathematical concepts for required financial analysis.

• Must have experience with computer applications, particularly Excel and Word.

• Experience with CreditLens (Moody’s Analytics) is a plus.

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.