Credit Analyst

Company description: 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. Job description: Responsibilities Conduct comprehensive credit analysis and evaluate the creditworthiness of existing and prospective corporate customers. Review and analyze financial statements, cash flow projections, business plans, and industry outlooks to assess repayment capacity and identify key credit risks. Prepare credit applications, annual reviews, covenant monitoring reports, and credit recommendations in compliance with the Bank's credit policies and regulatory requirements. Perform industry, market, and peer analysis to support sound credit decision-making and portfolio management. Monitor customer performance, credit exposure, and risk indicators, and recommend appropriate risk mitigation measures when necessary. Work closely with Relationship Managers to structure financing solutions that meet customer needs while maintaining prudent risk management standards. Support the execution of banking products and services by providing credit and risk assessment throughout the transaction lifecycle. Maintain accurate credit documentation and ensure timely completion of internal approval processes. Contribute to portfolio quality and support the achievement of the Bank's business objectives through effective credit risk management. Qualifications Bachelor's or Master's degree in Finance, Banking, Economics, Accounting, Business Administration, or a related field. Minimum 5 years of experience in corporate banking, credit analysis, credit underwriting, or related fields. Strong knowledge of corporate finance, financial statement analysis, credit risk assessment, and corporate banking products. Good understanding of banking regulations, credit policies, and risk management principles. Proven analytical, critical thinking, and problem-solving skills with strong attention to detail. Strong written and verbal communication skills in English. Proficiency in Microsoft Office applications, particularly Excel and PowerPoint. Ability to work effectively under pressure and manage multiple priorities within tight deadlines. Strong interpersonal skills with the ability to collaborate effectively with Relationship Managers, Credit Departments, and other stakeholders.