SMBC Senior Credit Review Officer, Vice President in White Plains, New York
SMBC Credit Review Department (CRVD) seeks a Senior Credit Review Officer.
As a Senior Credit Review member of CRVD, the individual will be part of a dynamic team responsible for the independent review and ongoing monitoring of the quality of the credit portfolio of the SMBC Americas Division. The individual will get a chance to review the underwriting and the portfolio quality of a diverse sample of SMBC’s portfolios.
As part of its mandate, CRVD challenges internal ratings while assessing adherence with documented processes, methodologies as well as regulatory requirements. The group reports to the Audit Committee of the Board and its function is independent of the relationship and credit managers.
Key responsibilities include:
Execute and lead exams to independently challenge and assess the credit and financial strength of borrowers to determine if internal ratings and levels of credit exposure are acceptable
Perform continuous monitoring of credit portfolios and document findings which will be communicated to management and the Audit Committee of the Board
Prepare work papers, document exam results and conclusions
Monitor adherence to documentation, limits and risk mitigants including review of covenants and perfection of collateral
Ensure that exams are performed in accordance with policies and procedures
Analyze findings and formulate conclusions and advice
SKILLS / EXPERIENCE
Bachelor’s and/or Masters’ degree with minimum of 10 years of work experience in credit risk management, underwriting, lending or review with experience in diverse sectors including corporates and industrials, commercial real estate, energy, financial institutions, leasing, structured finance, rail finance, or subscription financing.
Knowledge in credit analysis, accounting, corporate finance and/or research
Experience with credit/loan risk review process preferred. Formal credit training a plus
Knowledge of bank regulations as it relates to lending and risk management
Knowledge of lending products, as well as capital markets/traded products
Understanding of credit/loan documentation
Strong organizational skills and the ability to manage multiple assignments concurrently
Highly motivated with strong academic background
Strong analytical and communication skills
Ability to work independently within a team structure
Flexibility with the ability to learn quickly
Functional Expertise - Keeps up-to-date with emerging regulatory, business, economic, and market trends
Technical Skills - Possess strong technical skills, pays attention to detail, takes initiative to broaden his/her knowledge and demonstrates appropriate financial/analytical skills
Project Management Skills – Ability to organize 3 month reviews of portfolios including planning, fieldwork and reporting ensuring seamless coordination of the review team and timely completion.
Drive and Motivation - Ability to handle multiple tasks, takes initiative to improve his/her own performance, works intensely towards extremely challenging goals and persists in the face of obstacles or setbacks
Client and Business Focus - Effectively handles difficult requests, builds trusting, long-term relationships with stakeholders, helps to identify/define needs while managing client/business expectations
Teamwork – Strong team player that collaborates with others within and across teams. Encourages other team members to participate and contribute and acknowledges others' contributions
Communication Skills - Communicates what is relevant and important in a clear and concise manner and shares information/new ideas with others
Judgement and Problem solving - Anticipates questions, plans for contingencies, finds alternative solutions and identifies clear objectives. Sees the big picture and effectively analyses complex issues
Innovation - Looks for new ways to improve current processes
Influencing Outcomes - Presents opinions in a sound, persuasive manner. Formulates a position on issues and influences others' opinions; presents persuasive recommendations
Job Locations US-NY-White Plains
Posting Date 3 months ago (3/11/2021 10:30 AM)
Career Category Credit Review
iCIMS ID 2021-9290
Corporate Title VP
SMBC is an EO employer – M/F/Veteran/Disability
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