Headquartered in Tokyo, Sumitomo Mitsui Banking Corporation (SMBC) is a leading
global financial institution and a core member of Sumitomo Mitsui Financial
Group (SMBC Group). Built upon our rich Japanese heritage since 1876, we put our
customers first and provide seamless access to, from and within the Asia Pacific
region. SMBC is one of the largest Japanese banks by assets and maintain
robust credit ratings across our global integrated network. We work closely as
one SMBC Group to offer personal, corporate and investment banking services to
meet the needs of our customers.
With sustainability embedded within our strategy and operations, we are
committed to creating a society in which today’s generation can enjoy economic
prosperity and well-being, and pass it on to future generations.
Scope and Dimension
* Will be responsible for the review and assessment of credit risk and will
seek approval from relevant authorities by preparing the analysis material.
* Geographical / Functional Coverage – India, Credit Department (2nd line)
Job Responsibilities
1.
Independently review and assess diverse credit applications submitted by
Business Units, providing objective and thorough evaluations.
2. Prepare clear, concise executive summaries for submission to approval
authorities, highlighting key credit risks and recommendations.
3. Collaborate with senior credit officers to develop a deep understanding of
legal documentation and proactively review term sheets and credit
agreements.
4. Support incumbent credit officers and senior management in credit
evaluation, underwriting, and portfolio management activities.
5. Develop and implement action plans to address credits showing signs of
deterioration.
6. Coordinate with Business units and ensure accurate recording and
maintenance of deal details and credit monitoring data in internal system.
7. Conduct periodic credit portfolio analysis across various parameters.
8. Monitor credit exposure concentrations in large corporates