Credit Associate; Bilingual Japanese

Position: Credit Associate (Bilingual Japanese/English Required) Location: New York Credit Associate (Bilingual Japanese/English Required) Job Level: Associate Location: New York, NY, US, 10172 Employment Type: Full Time Requisition The anticipated salary range for this role is between $78,000.00 and $. The specific salary offered will be based on qualifications, experience, and market factors. The role may also be eligible for an annual discretionary incentive. Role Description The main function of this position is to analyze credit of US subsidiaries of Japanese and/or Asian companies to prepare credit applications. The role reports to a team leader and collaborates with relationship managers. It requires communication with credit departments in the US and Japan. Role Objectives

• Conduct analysis and research on the performance of borrowers and parent companies to assess historical performance and future projections (e.g., cash flow analysis, risk capital calculations).
• Gather supporting 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 the loan portfolio and handle system and procedural issues related to borrowers such as internal grading, monthly/quarterly reporting, and other ad‑hoc projects.
• Assist with amendments, new originations, loan closings, 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

• Formal credit training preferred.
• 3–5 years of experience working at a corporate bank or other financial institution.
• Highly proficient MS Excel, Word, and PowerPoint skills required.
• Bachelor’s degree in Finance, Business, or Accounting preferred or equivalent education and training.
• Japanese language skill required.

SMBC’s employees participate in a Hybrid workforce model that provides opportunities to work from home as well as from an SMBC office. Employees must live within a reasonable commuting distance of their office location. Prospective candidates will learn more about their specific hybrid work schedule during the interview process. 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 #J-18808-Ljbffr Apply tot his job Apply To this Job