Product Control Analyst

Role Description

The Product Control Analyst will support the Coverage & Capital Markets (C&CM) and Structured Finance Solutions (SFS) businesses, with primary focus on lending related activities. The role serves as a key control function between Front Office, Finance, Risk, Treasury, Accounting, and Regulatory Reporting ensuring the integrity of daily P&L reporting, balance sheet reporting, valuation oversight, and financial controls. The position will provide broad exposure to lending, structured finance, and capital markets activities while partnering closely with Front Office stakeholders across the firm.

• Perform daily and monthly P&L reporting, validation, and analysis across lending and structured finance activities, ensuring the accuracy and integrity of financial results.
• Support financial control and reconciliation, month-end close, quarterly regulatory reporting processes.
• Develop strong relationships with Front Office, Risk, Accounting, Finance, Regulatory Reporting stakeholders to understand transaction economics, revenue drivers, business strategy, and new business activity.
• Participate in business reviews, transaction discussions, and initiatives aimed at enhancing transparency, governance, and business ownership of reported financial results.
• Contribute to process improvements, reporting enhancements, automation initiatives, and strategic Product Control transformation efforts.
• Maintain a strong control environment and ensure documentation is complete, accurate, and audit-ready.

• Bachelor's degree in Accounting, Finance, Economics, Mathematics, or related field.
• 0-3 years of experience in Product Control, Finance, Accounting, Audit, Risk, Treasury, Banking, or related fields.
• Strong analytical, problem-solving, and communication skills.
• Ability to build relationships and collaborate effectively across business and support functions.
• Self-starter with the ability to operate independently and effectively manage priorities in a hybrid, geographically dispersed environment. The role requires a high degree of ownership, initiative, and relationship-building skills, as key stakeholders and management are located outside of the Charlotte office.

• Experience or exposure to lending products, commercial banking, structured finance, or capital markets activities is preferred but not required.
• Understanding of financial statements and accounting principles.
• Experience working with large datasets and reporting tools.
• Advanced Excel skills; experience with Power BI, SQL, Python, etc is a plus.

SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law. If you need a reasonable accommodation during the application process, please let us know at