Associate, Credit Portfolio Management, TMT

Sumitomo Mitsui Financial Group, Inc. • $150K — $175K *
New York, NY 10025In-Person
Finance & Insurance
Less than 5 years of experience
1 week ago
Job Overview by Ladders

Qualifications

  • 3+ years of experience in credit, lending, or portfolio management.
  • Strong skills in accounting and financial statement analysis.
  • Experience with credit approvals and refinancing processes.
  • Ability to create concise and well-structured credit memoranda.
  • Knowledge of loan documentation and credit agreement terms.
  • Familiarity with bank regulatory policies and credit grading systems.
  • Preferred background in technology, media, and telecommunications.

Responsibilities

  • Conduct valuation analysis and financial modeling for client engagements.
  • Proactively identify early warning signals of credit issues.
  • Prepare clear credit memoranda communicating risks and insights.
  • Act as direct account manager for assigned clients.
  • Assist in creating reports and presentations for senior management.
  • Review financial projections and track budget adherence.
  • Utilize IT systems for compliance and portfolio management.

Benefits

  • Hybrid work model allowing flexibility in work location.
  • Collaborative work environment with exposure to senior bankers.
  • Opportunities for professional development and growth.
  • Involvement in dynamic, high-value credit portfolios.
  • Engagement with various internal teams and stakeholders.
Full Job Description


Role Description

SMBC is seeking a mid-level Associate to join its Credit Portfolio Management team. This role is responsible for managing a dynamic, multi-billion-dollar portfolio spanning corporate and leveraged finance across technology, media and the telecommunications sectors. Key responsibilities include ongoing credit monitoring as well as underwriting new transactions within the portfolio, such as refinancings and extensions.

The Associate will collaborate closely with senior bankers, credit, and risk professionals, and will actively participate in discussions with borrowers throughout the due diligence process. This position requires a self-starter with strong analytical capabilities who can independently assess credit risk, contribute meaningfully to transaction execution, and operate effectively across varying levels of seniority within the organization.

Role Objectives

  • Conduct valuation analysis, financial modelling, and sector research to support client engagements and ongoing monitoring requirements.
  • Proactively flag any early warning signals of credit deterioration or concerns.
  • Prepare clear, concise and well-structured credit memoranda that effectively communicate key risks, financial insights and recommendations.
  • Act as direct account manager for assigned portfolio of accounts.
  • Assist Head of Portfolio Management in various reporting and presentations to senior management as well as support the overall monitoring and management of the portfolio.
  • Review of projections and budget achievement.
  • Utilize various IT systems including customer setup, compliance and portfolio management systems.


Qualifications and Skills

  • Minimum of 3 years of experience in credit, lending, portfolio management, or a related corporate banking function preferred.
  • Strong accounting, financial statement analysis, and credit underwriting skills, with the ability to independently evaluate capital structure, leverage, cash flow, repayment capacity, liquidity, industry trends, competitive positioning, customer-specific issues, and key risks and mitigants.
  • Experience supporting credit approvals, annual reviews, amendment requests, refinancings, extensions, and internal committee processes.
  • Ability to prepare clear, concise, and well-supported credit memoranda for senior management, credit officers, and other internal stakeholders.
  • Strong verbal communication skills, including the ability to articulate credit views, present recommendations, and defend conclusions in a clear and professional manner.
  • Working knowledge of loan documentation and key credit agreement terms, including covenants, reporting requirements, guarantees, collateral, and amendment/waiver provisions.
  • Familiarity with bank regulatory policies, internal risk rating frameworks, credit grading systems, and portfolio review processes.
  • Prior experience covering technology, media, and telecommunications companies is preferred but not required.
  • Strong organizational skills, attention to detail, and ability to manage multiple priorities and deadlines with limited supervision.
  • Self-starter with sound judgment, intellectual curiosity, strong ownership mindset, and willingness to escalate issues appropriately.
  • Strong interpersonal skills and team orientation, with the ability to collaborate effectively across portfolio management, origination, credit, risk, legal, and other internal teams.

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.

About Sumitomo Mitsui Financial Group, Inc.

Sumitomo Mitsui Financial Group, Inc. Careers

There has never been a more opportune time to join the dynamic team at Sumitomo Mitsui Financial Group, Inc. (SMFG)—a leading force in the financial services industry recognized for its leadership in innovation and diversity.

Explore Job Opportunities

Sumitomo Mitsui Financial Group, Inc. offers a plethora of job opportunities that cater to a variety of skills and interests. The company is renowned for its commitment to professional growth and leadership development, making it an ideal environment for ambitious individuals looking to advance their careers.

Experience Professional Growth

At SMFG, career advancement is not just a possibility but a priority. The company supports its team members with extensive training programs, including leadership development and diversity training, ensuring that every employee has the tools and knowledge necessary to succeed.

Join a Diverse and Inclusive Team

Diversity and inclusion are at the core of the company culture at Sumitomo Mitsui Financial Group, Inc. With a global team that values unique perspectives and fosters a collaborative and inclusive environment, SMFG is a place where everyone can thrive.

Internship Programs

For those starting their career journey, SMFG offers internship programs that provide a robust foundation in the financial sector. Interns gain invaluable experience, working alongside seasoned professionals and engaging in projects that offer real-world applications of their studies.

Benefits and Culture

Sumitomo Mitsui Financial Group, Inc. is dedicated to not only attracting but also retaining top talent by offering competitive benefits that enhance both personal and professional life. The company culture promotes work-life balance, employee well-being, and continuous learning.

Innovative Work Environment

Innovation is a key driver of SMFG’s success. Employees are encouraged to bring forward-thinking ideas to the table and are provided with the resources to transform these ideas into actionable solutions that drive the financial industry forward.

Networking and Career Development

Networking opportunities within SMFG are abundant. Employees are encouraged to connect with colleagues and industry leaders through various platforms and events, enhancing their professional network and opening doors to myriad career opportunities.

Apply for a Position

Sumitomo Mitsui Financial Group, Inc. is actively hiring and looking for talented individuals who are passionate, curious, and driven. Explore open positions that match your skills and interests on the SMFG careers page.

Stay Connected with SMFG Careers

Keep up to date with the latest career tips, industry insights, and company news from Sumitomo Mitsui Financial Group, Inc. Subscribe to receive updates and stay informed about new job openings and employment trends.

Prepare for Your Interview

Aspiring to join SMFG? Prepare your resume to reflect your best self and gear up for the interview process where you can showcase your skills and passion for finance and innovation.

Career Opportunities Await

At Sumitomo Mitsui Financial Group, Inc., the potential for professional development and personal growth is limitless. Discover the exciting and rewarding career opportunities that await at SMFG, where every position contributes to the company’s global success and leadership in the financial industry.
Learn more about Sumitomo Mitsui Financial Group, Inc.
Industry
Finance & Insurance
* Ladders Estimates

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