Associate, Credit Portfolio Management, TMT

SMBC is seeking a mid-level Associate to join its Credit Portfolio Management team. This role is responsible for managing a dynamic multi-billion-dollar portfolio spanning corporate and leveraged finance across technology media and the telecommunications sectors. Key responsibilities include ongoing credit monitoring as well as underwriting new transactions within the portfolio such as refinancings and extensions.

The Associate will collaborate closely with senior bankers credit and risk professionals and will actively participate in discussions with borrowers throughout the due diligence process. This position requires a self-starter with strong analytical capabilities who can independently assess credit risk contribute meaningfully to transaction execution and operate effectively across varying levels of seniority within the organization.

• Conduct valuation analysis financial modelling and sector research to support client engagements and ongoing monitoring requirements.
• Proactively flag any early warning signals of credit deterioration or concerns.
• Prepare clear concise and well-structured credit memoranda that effectively communicate key risks financial insights and recommendations.
• Act as direct account manager for assigned portfolio of accounts.
• Assist Head of Portfolio Management in various reporting and presentations to senior management as well as support the overall monitoring and management of the portfolio.
• Review of projections and budget achievement.
• Utilize various IT systems including customer setup compliance and portfolio management systems.

• Minimum of 3 years of experience in credit lending portfolio management or a related corporate banking function preferred.
• Strong accounting financial statement analysis and credit underwriting skills with the ability to independently evaluate capital structure leverage cash flow repayment capacity liquidity industry trends competitive positioning customer-specific issues and key risks and mitigants.
• Experience supporting credit approvals annual reviews amendment requests refinancings extensions and internal committee processes.
• Ability to prepare clear concise and well-supported credit memoranda for senior management credit officers and other internal stakeholders.
• Strong verbal communication skills including the ability to articulate credit views present recommendations and defend conclusions in a clear and professional manner.
• Working knowledge of loan documentation and key credit agreement terms including covenants reporting requirements guarantees collateral and amendment/waiver provisions.
• Familiarity with bank regulatory policies internal risk rating frameworks credit grading systems and portfolio review processes.
• Prior experience covering technology media and telecommunications companies is preferred but not required.
• Strong organizational skills attention to detail and ability to manage multiple priorities and deadlines with limited supervision.
• Self-starter with sound judgment intellectual curiosity strong ownership mindset and willingness to escalate issues appropriately.
• Strong interpersonal skills and team orientation with the ability to collaborate effectively across portfolio management origination credit risk legal and other internal teams.