Review credit applications submitted by the front office
Prepare/present executive summaries and recommendations to the management of the Credit Department
Analyze various elements of credit risk primarily in transactions with financial institutions
Scope of analysis includes counterparty credit risk, deal structure, facility terms and conditions, transaction background, profitability, and relationship strategy
Coordinate the credit approval process by liaising between the front office and the management of the Credit Department
Conduct monitoring of credit quality of counterparties and transaction portfolio
Provide feedback and guidance to front office

5-7 years of relevant work experience in the financial services industry within the credit function as a credit analyst
At least 3-5 years of experience in covering the FI sector
Solid foundation in finance and accounting
Knowledge in the FI sector and various financial products is required
Ability to adapt to SMBC’s credit philosophy and risk appetite
Excellent written and verbal communication skills
Ability to read/analyze credit application contents and prepare written summary in a short span of time
Flexibility to work under tight deadlines and in a multitasking environment
Ability and willingness to work as a team player

Credit Officer – Financial Institutions

Key skills