Credit Officer / North America Project Finance

Job Level: Director Job Function: Governance & Assurance Location: New York, NY, US Employment Type: Full Time The anticipated salary range for this role is between $178,000.00 and $231,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees.

Role Description: SMBC is seeking a Credit Officer with strong credit and quantitative skills to analyze the credit risk and various elements of project finance transactions in North America. Coverage includes renewable and conventional power, oil and gas, natural resources, data centers and other infrastructure. As part of SMBC's 2LoD, the Credit Officer's main responsibility entails the review of credit applications submitted by the front office (1LoD) and to prepare executive summaries for the management of the Credit Department.

Responsibilities: Analyze various risk elements of project finance transactions in North America and present written executive summaries to the management of the Credit Department. Oversee the maintenance of credit quality and provide feedback to business units to ensure consistent and complete credit applications. Also, provide guidance, as necessary, to business units to ensure compliance with internal standards. Provide feedback to the front office on deal structures to mitigate identified risks. Closely review transaction grading models to ensure accuracy and consistency. Monitor and supervise problem loans including Warning/Special Mention Obligors and present written memorandum/reports to management. Manage compliance with internal policies, work flow procedures, regulations, etc. Other credit related works/projects as assigned. Utilize deep understanding of US Regulatory Classification guidelines to review and approve proposed risk ratings. In-depth knowledge of project finance, in addition to corporate finance and accounting, is required. Critical thinking and ability to analyze a vast and complex amount of information and quickly render credit decisions. Experience in facing the regulators at the SNC, TLR, etc exams and knowledge of regulatory ratings is a plus. Risk sensitivity and ability to steer decisions through discussions with the business units. Qualifications and Skills Minimum of 5 -7 years relevant work experience preferably in the credit department of a major project finance bank. Superior attention to details, ability to quickly individuate and focus on the key risks factors of highly structured transactions and visually present complex concepts with graphs, tables and flow charts. Flexibility to work under tight deadlines and in a multitasking environment.