Credit Portfolio Management - Project and Structured Finance

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 strong 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.

• Credit Risk Management : Prepare good quality credit applications, reports, risk and financial analysis including sensitivity analysis and assumptions validation. Ability to distil complex credit issues and produce credit applications which can be easily understood by relevant approvers (SFDA / ASDV management and / or Credit). Ensure credit applications and consent requests are circulated and approved in a timely manner, minimal errors and overdue reviews. Answer credit questions and maintain good working relationship with Credit. Timely discussion with other CPM team members, regular updates, and early escalation of issues to Group Head of CPM.
• Credit Process Management Ensure relevant credit memo are prepared to seek India management approval where applicable, and in a timely manner. Work closely with PDO team on covenants management, drawdown conditions and custody confirmation including original documents are received in time. Support CPM Loan Admin for INR-related operations matters. Liaise with India legal team for documentation clearance.
• Control and Compliance Management On time preparation and prompt response to internal and external audit requests. Prepare accurate and timely reports required by regulators, head office and internally. Always ensure adherence to internal processes and compliance.
• Leadership Provide leadership to the team and lead ASDV CPM initiatives in India.
• An experienced professional who has prior experience of credit risk analysis and portfolio management of structured / project finance, leveraged finance and / or real estate transactions in India.
• Key specialist / technical skills Strong numerical and financial skills with the ability to interpret financial information and able to perform sensitivity of projections. Strong knowledge of renewables, infrastructure, leverage finance and real estate sectors in India. Deep knowledge of Credit risk assessment, credit control and related administration. Strong stakeholder management and communication skills. Has experience in leading a team. Previous relevant experience in the financial sector.
• Masters or post-graduate degree in business management, finance, or accounting.