Credit Portfolio Risk Analyst

Company Overview

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. It connects a diverse client base to local markets and the organization’s extensive global network.

The Group’s operating companies in the Americas include Sumitomo Mitsui Banking Corp. (SMBC), SMBC Nikko Securities America, Inc., SMBC Capital Markets, Inc., SMBC MANUBANK, JRI America, Inc., SMBC Leasing and Finance, Inc., Banco Sumitomo Mitsui Brasileiro S.A., and Sumitomo Mitsui Finance and Leasing Co., Ltd.

The anticipated salary range for this role is between $69,000.00 and $85,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award.

In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees.

SMBC is seeking a highly analytical and detail-oriented Credit Portfolio Analyst to support the Risk Identification () and Risk Appetite processes for the Americas Division (AD). This role is a key contributor to materials for internal risk committees and regulators, translating complex portfolio data, stress testing outputs, and strategic business considerations into clear, actionable risk appetite metrics and limits for senior management.

The position requires strong analytical capabilities, sound credit risk knowledge, and the ability to deliver concise, well-structured executive presentations.

• Assist in the development, implementation, and ongoing enhancement of the credit risk identification framework and processes
• Analyze credit portfolio trends, concentrations, rating migration, and emerging risks; support identification of thematic vulnerabilities across the AD portfolio
• Participate in material risk forums to review, challenge, and assess risk impacts, and prepare governance and regulatory meeting materials
• Support development, calibration, and monitoring of Risk Appetite metrics and limits, incorporating stress testing outputs and compliance results
• Translate complex data and analytics into clear, actionable risk narratives for senior stakeholders
• Contribute to Risk Appetite updates and enhancements, ensuring consistency in scope and methodology with HO and regional frameworks

• Support the ownership of end-to-end credit risk reporting data pipeline, including data source, transformation, validation, and aggregation across multiple internal systems
• Work with Stress Testing and Model teams to support the refinement of risk identification methodologies, including materiality assessment approach
• Collaborate with the Data team to improve data controls and communicate enhanced approaches and methodologies, ensuring consistency in definitions and calculations for Risk Appetite reporting

• Support credit risk governance processes, including committee materials, approvals, and action-item tracking
• Recommend improvements to increase efficiency, transparency, and consistency of portfolio reporting

• Strong attention to detail and high standards for accuracy and data quality
• Curious and…