SMBC Group · 9 hours ago
Credit Risk Portfolio Associate
New York, NY
Full-time
Hybrid
Entry, Mid Level
$84K/yr - $131K/yr
2+ years expSMBC Group is a top-tier global financial group offering a diverse range of financial services. The Associate will support credit portfolio analytics and governance reporting for the Americas Division, contributing to materials for internal risk committees and transforming complex portfolio data into actionable insights for senior management.
AdviceBankingFinancial Services
Responsibilities
Analyze credit portfolios to identify trends, sector and product concentrations, rating migrations, and emerging risks
Support recurring and ad hoc materials for risk stakeholders, including portfolio decks, sector reviews, and regulatory presentations
Maintain standardized reporting packs on criticized assets, watchlists, non-pass originations, and other key risk metrics
Incorporate stress-testing, risk appetite, and rating migration results into portfolio commentary
Source, validate, and reconcile portfolio data across multiple systems
Perform data quality checks, investigate discrepancies, and document key assumptions
Help standardize data definitions, templates, and calculation methodologies across recurring reports
Support enhancements to reporting processes and automation using Excel, SQL, and visualization tools where appropriate
Support credit risk governance processes, including committee materials, approvals, and action-item tracking
Contribute to materials for regulatory exams, remediation items, and internal audit, ensuring analysis is well supported and clearly documented
Provide portfolio insights that help refine sector-based underwriting standards and risk appetite frameworks
Recommend improvements to increase efficiency, transparency, and consistency of portfolio reporting
Partner with Credit Risk, Front Office, Finance, Data, and Planning teams to gather inputs and align messaging
Translate complex analysis into clear slides and talking points for senior management and committees
Incorporate feedback from stakeholders while maintaining accuracy and internal consistency
Qualification
Required
Minimum 2 years of experience in financial services in credit risk, credit portfolio management, or risk/reporting roles
Solid understanding of credit risk concepts including internal ratings, risk appetite, criticized assets and watchlists, and governance frameworks
Experience working with large data sets and portfolio-level metrics
Advanced Excel skills (data manipulation, pivot tables, complex formulas); familiarity with PowerPoint for executive-ready presentations
Strong written and verbal communication skills, with the ability to synthesize complex analysis into concise messages
Bachelor's degree in Finance, Economics, Accounting, Mathematics, Statistics, or a related analytical field
Preferred
3–5 years of relevant experience in credit risk analytics, portfolio management, or risk reporting at a bank or large financial institution
Experience in a U.S. regulatory environment (Federal Reserve, OCC, or similar) or at a foreign banking organization
Experience using SQL or a programming language such as Python or R to query and analyze data
Familiarity with business intelligence or visualization tools such as Power BI or Tableau
Professional certifications or coursework in risk management, credit analysis, or data analytics (FRM, CFA, or similar) are a plus
Benefits
Competitive portfolio of benefits
Annual discretionary incentive award
Company
SMBC Group
SMBC Group is a top-tier global financial group.
10001+ employees
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)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (160)
2024 (87)
2023 (73)
2022 (44)
2021 (29)
2020 (26)
Funding
Current Stage
Late StageLeadership Team
Hirofumi Otsuka
Senior Managing Executive Officer & CEO of Americas Division
Juan Kreutz
Head of Structured Finance Solutions and Deputy Head of the Americas
Recent News
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