Associate, Structuring and Analytics

Sumitomo Mitsui Financial Group, Inc. • $119K — $175K *
New York, NY 10025In-Person
Finance & Insurance
Less than 5 years of experience
Today
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Job Overview by Ladders

Qualifications

  • Master's degree in finance, mathematics, or a related field with 2 years of experience.
  • Proficiency in cash flow modeling using Excel and VBA.
  • Experience with Python for data processing and automation.
  • Familiarity with rating agency methodologies and collateral analysis.
  • Ability to translate complex deal documentation into actionable model logic.

Responsibilities

  • Develop and maintain cash flow models across multiple ABS asset classes.
  • Translate transaction documentation into effective modeling logic with built-in protections.
  • Prepare analytical materials for rating agency review and perform necessary analyses.
  • Produce comprehensive deliverables for internal and external stakeholders throughout the transaction process.
  • Enhance operational efficiency through automation using Excel, VBA, and Python.
  • Communicate modeling results and analytical insights clearly while tracking market trends.

Benefits

  • Annual discretionary incentive award eligibility.
  • Competitive portfolio of employee benefits.
  • Hybrid work model allowing remote and office work option.
Full Job Description
Role Description

  • Develop and maintain cash flow models for assets and liabilities across multiple ABS asset classes using Excel and VBA.
  • Convert transaction documentation into robust model logic, incorporating waterfalls, triggers, eligibility criteria, and structural protections.
  • Apply rating agency methodologies and required stresses and prepare analytical materials for rating agency review. Perform pool selection analysis, collateral eligibility and concentration testing, and portfolio sensitivity analyses. Leverage Intex (Dealmaker, Intex Calc, CAS) to validate structures, map collateral data, and reconcile internal models with market standards.
  • Produce analytical deliverables including pool selection memoranda, model outputs, stress results, and execution exhibits for internal committees and external stakeholders.
  • Support transactions from pre-mandate through closing, including scenario analysis, syndicate analytics, and cross-functional coordination.
  • Enhance team efficiency through automation and process standardization using Excel, VBA, and Python. Partner with Capital Solutions, Lending, Structuring, Legal, and Syndicate teams to align analytics with execution.
  • Clearly communicate modeling results, structural considerations, and analytical insights, while staying current on market trends, comparable transactions, and rating agency developments.


Role Objectives

  • Help support new products and custom solutions to enhance yield, hedge or isolate specific exposures, identify tax or other liabilities, and/or offer new and unique ways to increase leverage that meet legal and regulatory constraints.
  • Gather financial statements / levers / drivers, prepare and/or review project and corporate financial models to help originators advise clients on capital and deal structure.
  • Develop an understanding of the company's constraints, and financial, economic, fiduciary, legal and tax environments.
  • Organize and collect data and feedback from clients (i.e., fees and structure) to contribute to improved creations and/or customized products (i.e., tax deferrals, unique leverage opportunities, etc.) for clients. Collect and prepare market intelligence for product pricing, prepare analysis on potential deal pricing, dilution impacts, timing and potential market acceptance.
  • Partner with the broader origination team to streamline internal processes (i.e., information sharing for new securities, private transaction and customized offerings). Create product presentation materials (i.e., pitch books, product highlights, etc.), provide relevant background information on client relationships, and prepare data / info to support client cross-selling meetings.


Qualifications and Skills

  • Master's degree in finance, mathematics, mathematics of finance, or a related field plus 2 years of experience.
  • Experience must include the following:cash flow modeling in Excel; data processing and automation using Python and VBA; interpretation and application of rating agency methodologies; analysis and translation of deal documentation; and collateral analytics and pool selection.
  • The required skills do not need to be maintained over the full term of required experience.


The role is eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees.

For benefit information, please see the Careers page

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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