Credit Portfolio Management, Director (Utilities/Energy)

Sumitomo Mitsui Financial Group, Inc. • $250K *
New York, NY 10025In-Person
Energy & Utilities
8 - 10 years of experience
Today
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Job Overview by Ladders

Qualifications

  • 10+ years relevant experience in credit analysis and risk management
  • In-depth knowledge of Oil & Gas and Utilities sectors
  • Expertise in US lending regulations and credit governance
  • Demonstrated leadership in managing high-performing teams
  • Proficient in legal documentation and negotiating terms
  • Strong relationships across stakeholder groups
  • Experience in managing regulatory reviews and compliance environments
  • Solid understanding of corporate finance and capital structures

Responsibilities

  • Lead credit underwriting and portfolio management activities.
  • Manage and coach a team of credit professionals.
  • Oversee credit application preparation and monitoring reports.
  • Drive performance improvement and best practices in credit analysis.
  • Identify and escalate emerging credit risks timely.
  • Ensure adherence to credit policies and regulatory requirements.
  • Prepare and advocate for Credit Review and audits.

Benefits

  • Hybrid work model allows flexibility between home and office environments.
  • Opportunities for professional development and training.
  • Supportive environment for technology and AI adoption in workflow.
Full Job Description
Role Description

The Director is responsible for leading credit underwriting and portfolio management activities within Credit Portfolio Management, including oversight of portfolio monitoring, transaction execution, risk ratings, US Regulatory Classification, and exposure management. The role manages a team of credit professionals, drives consistent credit practices, ensures compliance with internal policies and regulatory requirements, and supports proactive portfolio risk management and decision-making. The Director will have oversight responsibilities for Industry Vertical with more than 10 direct and indirect reports

Role Objectives

  • Lead portfolio-level credit underwriting, transaction execution, and portfolio management activities.
  • Manage teams of credit professionals and provide leadership, coaching, and performance oversight.
  • Oversee preparation and review of credit applications, annual and quarterly reviews, and other monitoring reports. Ensure the appropriate processing of transaction-related requests.
  • Maintain high standards of credit analysis through effective review, challenge, and oversight of team work product. Drive performance improvement by leading best practices in credit underwriting to ensure the highest quality of analysis within CPM.
  • Ensure timely identification, escalation, and remediation of emerging credit risks across the portfolio.
  • Drive consistent application of credit policies, procedures, risk ratings, and US Regulatory Classification requirements. Develop, implement and own CPM policies and procedures and provide effective training to ensure the proper governance within the group.
  • Ongoing portfolio reporting, portfolio management, and credit cost oversight.
  • Oversees relevant aspects of the control environment including issues management, audits/reviews, Annual Risk Assessment, testing of controls and customer remediation.
  • Ensures compliance in a complex regulatory environment through effective operational controls and incorporating updates to regulatory controls into day-to-day operational processes.
  • Lead preparation and advocacy on behalf of PMG for Credit Review and Internal Audit exams as well as all Fed exams
  • Partner with Front Office, Credit, Risk Management, Legal, Compliance, and other stakeholders to support portfolio objectives and transaction execution.
  • Support adoption of technology, automation, data analytics, and AI tools to enhance portfolio management effectiveness.


Qualifications and Skills

  • Expert understanding of corporate credit risk, portfolio management, and credit underwriting practices.
  • Strong knowledge of the Oil & Gas and Utilities sectors, including industry dynamics, regulatory considerations, operating risks, capital structures, and key credit drivers.
  • Expert knowledge of US lending regulations, regulatory classification frameworks, and credit governance requirements.
  • Solid proficiency in understanding legal documentation, ability to construct and negotiate term sheets and amendments.
  • Strong understanding of corporate finance, capital structure analysis, and fixed income markets.
  • Ability to garner support and secure buy in across a wide range of stakeholders; ability to create a strong network of relationships among peers, internal partners, external constituencies and decision makers to deliver end products.
  • Demonstrated leadership experience managing and developing high-performing teams.
  • Deep understanding of policies, procedures, compliance and approval process at the Bank, necessary to aid execution.
  • Experience managing audits, regulatory reviews, issue remediation, and control environments.
  • Solid understanding of product risk (F/X, IRS, Trade Finance, Lease Finance, Securitization)
  • Work Experience:10 + years of comparable or relevant experience. Credit analyst experience is required. US Regulatory Classification experience is essential.
  • Education: Bachelor's degree or equivalent work experience preferred. Academic distinction and coursework in economics, financial accounting, and corporate finance preferred. MBA a plus.
  • Software Systems / Programming Languages: Strong Microsoft Office skills and experience (Excel, PowerPoint and Word)

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

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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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