Credit Portfolio Risk Analyst

Role Description

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 willing to dig into underlying drivers of portfolio changes
• Able to manage multiple recurring deadlines and prioritize effectively
• Self-starter who takes ownership while collaborating closely with team members and stakeholders
• Professional, organized, and motivated to improve processes and the clarity of risk communication

• 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);
  Proven PowerPoint skills 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

• 1-2 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
• Professional certifications or coursework in risk management, credit analysis, or data analytics (FRM, CFA, or similar) is a plus

SMBC’s employees participate in a Hybrid workforce model that provides employees with an opportunity to work from home, as well as from an SMBC office. SMBC requires that employees live within a reasonable commuting distance of their office location. Prospective candidates will learn more about their specific hybrid work schedule during their interview process. Hybrid work may not be permitted for certain roles, including, for example, certain FINRA-registered roles for which in-office attendance for the entire workweek is required.

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

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.