Credit Officer

2 weeks ago

India Sumitomo Mitsui Banking Corporation (SMBC) Full time

**_COMPANY OVERVIEW_**
- Headquartered in Tokyo, SMBC is one of the largest Japanese banks by assets (with over JPY 238,700 billion in total assets_), with strong credit ratings across the globe. The bank offers personal, corporate and investment banking services to their customer network that extends across 39 countries and regions, 15 of which are in Asia. The Asia-Pacific regional headquarter, established in 2008, is based in Singapore. The bank’s presence in India was established in New Delhi in December 2012, in Mumbai in March 2017 and Chennai in November 2020. In India, the bank concentrates on Wholesale Banking with a _strong client base and coverage of global and local conglomerates and corporates. Its strong financials and worldwide operations provide clients with global solutions that makes SMBC the leading choice for businesses expanding around the globe, particularly in Asia._

**OUR VALUES**

**Integrity Customer First Proactive & Innovative Speed **＆** Quality Team “SMBC Group”**

**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 ma terial.

Geographical / Functional Coverage - India, Credit Department (2nd line)

Direct/Indirect report - Nil

Initially, no approval authority will be given initially, but will be considered in future depending on performance and experience.

**Responsibilities**:

- Establish an adequate action plan for credits to be likely to deteriorate to minimize credit costs.
- Manage and maintain the accuracy of registration of deal details and credit monitoring in the internal system, and to instruct business units to modify data if necessary.
- Conduct credit portfolio analysis in terms of countries, corporate groups, industry commodity / segments, currency risks, internal grading, type of financial product, etc. from time to time.
- Monitor and proactively control credit exposures under large corporates and/or certain industries for increased concern on concentration and industry risks, in cooperation with other relevant teams / departments.
- Discuss with business units to improve credit risk management, if deemed necessary.

**Knowledge, Skills, Experience & Qualifications**
- Working Experience: 10-15 years
- Credit analysis experience preferably in a credit approving department.
- Knowledge of Financial Institutions and NBFI sector, NPA management / resolution, Priority Sector Lending management will be an advantage.
- CA or MBA (Finance) from a reputed institute.
- Additional professional qualifications for credit risk management will be an advantage.
- Preferably employed with a Global Bank currently.

**Challenges**

The job requires following skills
- Strong communication, negotiation & organization skills
- Multi-tasking and excellent time management
- Ability to work under strenuous situations and take decisions within the governance framework
- High on solution orientation & resourcefulness
- Has a strong execution bias and relentlessly works to remove roadblocks
- Should be a team player

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