Loan Workout Special Credit Group - Director

Loan Workout Special Credit Group – Director

Join to apply for the Loan Workout Special Credit Group – Director role at SMBC Group
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SMBC Group is a top-tier global financial group. Headquartered in Tokyo and with a 400-year history, SMBC Group offers a diverse range of financial services, including banking, leasing, securities, credit cards, and consumer finance. The Group has more than 130 offices and 80,000 employees worldwide in nearly 40 countries. Sumitomo Mitsui Financial Group, Inc. (SMFG) is the holding company of SMBC Group, which is one of the three largest banking groups in Japan.

SMFG’s shares trade on the Tokyo, Nagoya, and New York (NYSE: SMFG) stock exchanges.

In the Americas, SMBC Group has a presence in the US, Canada, Mexico, Brazil, Chile, Colombia, and Peru. Backed by the capital strength of SMBC Group and the value of its relationships in Asia, the Group offers a range of commercial and investment banking services to its corporate, institutional, and municipal clients.

The anticipated salary range for this role is between $ and $. The specific salary offered will depend on qualifications, experience, and market analysis. The role may also be eligible for an annual discretionary incentive award. In addition, SMBC offers a comprehensive benefits portfolio.

Delivery of credit oversight, portfolio monitoring, and restructuring support.

• Continuously monitor and manage existing transactions, analyzing financial statements and developing financial models to (i) measure and monitor operating and financial performance; (ii) ensure adherence to financial covenants; (iii) determine the ability to make debt service payments; (iv) analyze reasons for default or financial distress; (v) assess turnaround potential; and (vi) evaluate repayment ability and enterprise valuations; assign borrower rating, action plans, exposure management strategies, and handle account‑related administrative duties.
• Review waivers and amendments, lead preparation of credit applications, manage the credit process with Credit Department and back office, perform due diligence activities, and negotiate documentation.
• Keep abreast of business and market trends that may affect deal or portfolio performance.
• Prepare periodic reports and information for senior management, pro‑actively escalating credit risk, operational risk, and events as appropriate.
• On a quarterly basis analyze and report reserve/write‑off calculations complying with both US GAAP and JGAAP, assign proper accrual/non‑accrual status, and handle credit cost forecasts.
• Prepare materials for regulator examinations, external and internal audits.
• Ensure compliance with all internal and external banking regulations, bank policy, and best practices.
• Provide mentorship and guidance to deal team members and train junior colleagues.
• Undertake ad hoc tasks and projects as required.

• Deep understanding of leveraged finance and corporate finance.
• Proven analytical and financial modeling skills; experience reviewing and negotiating loan documentation.
• Strong credit analysis skills with a track record; ability to identify key risk factors and solutions.
• Knowledge of regulatory framework in the region and proficiency in internal policies and procedures.
• Excellent written and oral communication and presentation skills; ability to negotiate externally with clients and internally with senior management.
• Ability to build and maintain strong relationships across the bank to support communication and execution of transactions.
• High attention to detail and ability to meet strict deadlines.
• Self‑driven and motivated; takes ownership of assignments.
• 10+ years’ experience in leveraged finance or corporate finance credit underwriting or portfolio management at a leading financial institution.
• Experience negotiating term sheets and financial documentation.

• Required:
  
  BA/BS in Finance, Accounting, Business Administration, or related field.
• Preferred: MA/MS/MBA; formal credit training preferred.
• Demonstrated leadership ability to lead an amendment or restructuring and provide mentorship.

• SMBC’s employees participate in a hybrid workforce model; employees must live within reasonable commuting distance of their office.
• Hybrid work may not be permitted for certain roles (e.g., FINRA‑registered roles).
• SMBC provides reasonable accommodations during the application process for applicants with disabilities. If you need an accommodation, please let us know at .

SMBC Group is an equal opportunity employer. All qualified applicants are considered for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability, veteran status, or any other protected class.