SMBC
Team Lead of Securitization
SMBC, New York, New York, us, 10261
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 $223,000.00 and $255,000.00. 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
SMBC is seeking an Executive Director, Credit Officer in the Credit Department with credit and quantitative skills to analyze the credit risk of structured finance transactions, primarily in North America, including (but not limited to) asset-backed lending transactions and securitization. The Executive Director’s main responsibility entails the review of credit applications submitted by the front office(s) and the preparation / presentation of credit analysis comments and recommendations to the management of the Credit Department. The scope of analysis and review includes, but is not limited to, quantitative and qualitative analysis of obligor / counterparty credit risk, transaction structure, terms and conditions, underlying asset class and borrower/servicer/originator considerations, profitability, and relationship strategy.
Role Objectives:
Analyze various risk elements of credit risk related to proposed transactions and the underlying assets classes, and present written recommendations to the management of the Credit Department
-Coordinate the credit approval process by liaising between the front office(s) and the management of the Credit Department
-Provide guidance, as necessary, to front office(s) to ensure compliance with internal standards.
-Manage compliance with internal policies, work flow procedures, regulations, etc.
-Ensure US Regulatory requirements are met with each credit application.
-Other credit related works/projects as assigned.
Qualifications and Skills
-Minimum 12 years of experience covering corporate finance and/or structured products.
-A deep understanding of corporate/structured financing (including securitization / asset-backed lending) and superior attention to details, with the ability to quickly identify and address the key risks factors and clearly present complex concepts.
-Ability to manage deal volume in a fast-paced environment, including analyzing the credit application and preparing comments / recommendations in a short timeframe.
-Critical thinking and ability to analyze a vast and complex amount of information and quickly render credit decisions.
-Risk sensitivity and ability to steer decisions through discussions with the front office(s).
-Strong organizational skills and excellent written and verbal communication skills, with ability to communicate effectively with all levels of support and business partners
-Ability to adapt to SMBC’s credit philosophy and risk appetite.
-Undergraduate degree in Finance, Business Administration or related fields. MBA/CFA or other professional qualification highly preferred
Additional Requirements
D&I Commitment
Responsible for fostering a culture of diversity and inclusion, holding leaders accountable for creating an inclusive environment through awareness and practice of equity in recruiting, developing, and promoting diverse talent.
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.
We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law. SMBC provides reasonable accommodations for employees and applicants with disabilities consistent with applicable law. If you need a reasonable accommodation during the application process, please let us know at accommodations@smbcgroup.com.
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 $223,000.00 and $255,000.00. 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
SMBC is seeking an Executive Director, Credit Officer in the Credit Department with credit and quantitative skills to analyze the credit risk of structured finance transactions, primarily in North America, including (but not limited to) asset-backed lending transactions and securitization. The Executive Director’s main responsibility entails the review of credit applications submitted by the front office(s) and the preparation / presentation of credit analysis comments and recommendations to the management of the Credit Department. The scope of analysis and review includes, but is not limited to, quantitative and qualitative analysis of obligor / counterparty credit risk, transaction structure, terms and conditions, underlying asset class and borrower/servicer/originator considerations, profitability, and relationship strategy.
Role Objectives:
Analyze various risk elements of credit risk related to proposed transactions and the underlying assets classes, and present written recommendations to the management of the Credit Department
-Coordinate the credit approval process by liaising between the front office(s) and the management of the Credit Department
-Provide guidance, as necessary, to front office(s) to ensure compliance with internal standards.
-Manage compliance with internal policies, work flow procedures, regulations, etc.
-Ensure US Regulatory requirements are met with each credit application.
-Other credit related works/projects as assigned.
Qualifications and Skills
-Minimum 12 years of experience covering corporate finance and/or structured products.
-A deep understanding of corporate/structured financing (including securitization / asset-backed lending) and superior attention to details, with the ability to quickly identify and address the key risks factors and clearly present complex concepts.
-Ability to manage deal volume in a fast-paced environment, including analyzing the credit application and preparing comments / recommendations in a short timeframe.
-Critical thinking and ability to analyze a vast and complex amount of information and quickly render credit decisions.
-Risk sensitivity and ability to steer decisions through discussions with the front office(s).
-Strong organizational skills and excellent written and verbal communication skills, with ability to communicate effectively with all levels of support and business partners
-Ability to adapt to SMBC’s credit philosophy and risk appetite.
-Undergraduate degree in Finance, Business Administration or related fields. MBA/CFA or other professional qualification highly preferred
Additional Requirements
D&I Commitment
Responsible for fostering a culture of diversity and inclusion, holding leaders accountable for creating an inclusive environment through awareness and practice of equity in recruiting, developing, and promoting diverse talent.
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.
We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law. SMBC provides reasonable accommodations for employees and applicants with disabilities consistent with applicable law. If you need a reasonable accommodation during the application process, please let us know at accommodations@smbcgroup.com.