Credit Associate

Credit Associate The main function of this position is to analyze credit of US subsidiaries of Japanese and/or Asian companies to prepare credit applications. Report to a team leader and collaborate with relationship managers. Also, the function requires communicating credit departments in the US and Japan. Role objectives include: Conduct analysis and research on the performance of borrowers and parents to assess historical performance and future projections; ie. cash flow analysis, risk capital calculations. Gather support documentation to structure deals, liaise with middle and back office for KYC purposes, and assist in drafting pre screen memos for the Credit Department. Conduct quarterly and annual reviews of loan portfolio and handle a variety of system and procedural issues related to the borrowers such as internal grading, monthly/quarterly reporting, and other ad hoc projects. Assist with amendments, new originations, loan closings and funding, and other credit events that may impact the borrower. Undertake research and analytics related to specific sectors, regions or loans, and stay abreast of current market conditions. Provide ad hoc reports for management. Qualifications and skills include: Formal credit training preferred. Minimum 5 years of experience working at a corporate bank or other financial institution. Highly proficient MS Excel, Word and PowerPoint skills are required. Bachelor's degree in Finance, Business or Accounting preferred or equivalent education and training. Japanese language skill is preferred. 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 .

Created: 2026-03-09