Vice President (Securitization), Credit Department

Sumitomo Mitsui Banking Corporation

Job Responsibilities :

• To independently review and assess various types of credit applications, mainly in securitization deals with financial models / modelling cash flows to undertake financial analysis, and any other similar types of business submitted by business units; prepare concise executive summary to seek approval from relevant authorities.
• To establish action plan for credits likely to deteriorate in order to minimize credit costs.
• To manage and maintain the accuracy of registration of credit monitoring system and client database, and to instruct business units to modify data if necessary.
• To participate with documentation negotiation in order to ensure that documentation is in line with credit approvals and SMBC standard.
• To conduct credit portfolio analysis in terms of countries, corporate groups, industry commodity / segments, currency risks, internal grading, type of financial product, etc. from time to time.
• To monitor and proactively control credit exposures for increased concern on concentration risks, in cooperation with other relevant teams / departments.To support development the credit risk taking guideline and framework including but not limited to grading methodology and portfolio management for the private credit business in collaboration with the relevant departments.
• To discuss direction of potential deals with business units following credit policy and credit risk appetite.
• Any other duties as may be assigned from time to time.
• No approval authority will be given initially, but will be considered in future depending on performance and experience.

Job Requirements :

• Bachelor's degree; with experience in securitization finance, financial analysis, credit risk management.
• 7-10 years’ experience in credit analysis / credit approval department in banking is essential. Credit analysis for structured credit and related business is highly preferred.
• Strong credit analysis and due diligence skills, and able to prepare clear and concise credit recommendations. 
• High level ability to understand and interpret financial statements and conduct financial modelling.
• Excellent organizing and planning skills. Team player attributes.
• Excellent communication skills (written and spoken)