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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 $80,000.00 and $135,000.00. 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. Role Description SMBC is seeking an Associate in the Credit Department with solid foundation in accounting and finance and strong ability to analyze elements of credit risk in various transactions with financial institutions in the Americas. The Associate’s main responsibility entails the review of credit applications submitted by the front office and to prepare/present executive summaries and recommendations to the management of the Credit Department. Responsibilities Analyze various elements of credit risk primarily in transactions with financial institutions (primarily banks but also including broker/dealers, insurance companies, non-bank lenders, funds, structured finance, etc.) in the Americas

Scope of analysis and review includes, but not limited to, counterparty credit risk, deal structure, facility terms and conditions, transaction background, profitability, and relationship strategy.

Prepare and present written executive summaries/comments of credit applications submitted from the front office to the management of the Credit Department

Coordinate the credit approval process by liaising between the front office and the management of the Credit Department

Conduct the monitoring of credit quality of the counterparties and transaction portfolio

Provide feedback and guidance to front office to ensure consistent and complete credit applications and compliance with internal policies and procedures

Ensure US Regulatory requirements are met with each credit application

Other credit related works/projects as assigned

Qualifications and Skills Minimum 3 years of relevant work experience in the financial services industry within the credit function as a credit analyst, including experience in covering the FI sector

Solid foundation in finance and accounting, as well as knowledge in the FI sector and various financial products, are required

Ability to adapt to SMBC’s credit philosophy and risk appetite

Excellent written and verbal communication skills

Ability to read/analyze the contents of credit application and prepare written summary in a short time

Flexibility to work under tight deadlines and in a multitasking environment

Ability and willingness to work as a team player

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 accommodations@smbcgroup.com.

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