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SMBC Group · 8 hours ago

Credit Officer / LBO

New York, NY

Full-time

Hybrid

Mid Level

$80K/yr - $135K/yr

3+ years exp

SMBC Group is a top-tier global financial group offering a diverse range of financial services. The Credit Officer / LBO role involves reviewing credit applications and analyzing credit risk for Middle Market LBOs, ensuring compliance with internal policies and US regulatory requirements.

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H1B Sponsor Likely

Responsibilities

Review and challenge of credit applications submitted by the front office and the preparation / presentation of executive summaries and recommendations to the management of the Credit Department

The coverage includes lending transactions related to Middle Market LBOs and their related financial products (derivative, hedging etc.) but also to Non-Investment Grade Large Cap borrowers with complex capital structure and leveraged loan transactions (leverage lending and/or ABL transactions)

The scope of the analysis and the review includes, but not limited to, obligor credit risk, projections, transaction background, deal structure, facility terms and conditions, US regulatory classification, profitability, and relationship strategy

Analyze various elements of credit risk and transaction specifics, primarily for Middle Market obligors, and provide an effective review and challenge to the front office (line 1)

Prepare written executive summaries/comments of credit applications submitted from the front office and present to the management of the Credit Department

Engage with front office to assist with due diligence and structuring, identify key credit risks and main credit concerns and challenge assumptions prior to formal credit submission

Coordinate the credit approval process by liaising between the front office and the management of the Credit Department

Provide feedback and guidance, as necessary, to business units to ensure compliance with internal policies and procedures standards

Monitor and supervise problem assets including classified loans and present written memorandum/reports to management

Contribute to portfolio review, loan reviews and pass watch or any special credit reviews

Manage compliance with internal policies, workflow procedures and ensure US regulatory requirements are met in each credit application

Stay informed about relevant regulations and industry best practices

Other credit related work/projects as assigned

Qualification

Credit risk analysisLeverage loans expertiseUS regulatory interactionFinance degreeCritical thinkingOrganizational skillsCommunication skillsMBA/CFA preferredRisk sensitivityAdaptability

Required

Minimum 3+ years of relevant work experience preferably within a credit risk function (formal credit training preferred, second line of defense)

Ability to adapt to SMBC's credit philosophy and risk appetite

Critical thinking to understand factors impacting portfolio creditworthiness such as economic downturn, market volatility, industry disruptions or changes in interest rates, 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 business units

Ability to manage significant deal volume in a fast-paced environment and analyze credit application and prepare written summary in a short timeframe and in a multitasking environment

Strong organizational, oral, and written communication skills, with ability to communicate effectively with all levels of support and business partners

Undergraduate degree in Finance, Business Administration or related fields

Preferred

Experience and knowledge of middle market (and non-investment grade large cap) leverage loans highly preferred

Prior experience interacting with US Regulators (Fed, OCC or FDIC) preferred

MBA/CFA or other professional qualification highly preferred

Benefits

Competitive portfolio of benefits

Company

SMBC Group

Glassdoor3.5

SMBC Group is a top-tier global financial group.

Founded in 1590

New York, New York, USA

10001+ employees

https://www.smbcgroup.com/americas

H1B Sponsorship

SMBC Group has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

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2025 (160)

2024 (87)

2023 (73)

2022 (44)

2021 (29)

2020 (26)