Associate, Credit Portfolio Management, TMT
About The Position
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.
Requirements
- 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.
- 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.
Nice To Haves
- Prior experience covering technology, media, and telecommunications companies is preferred but not required.
Responsibilities
- 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.
Benefits
- annual discretionary incentive award
- competitive portfolio of benefits
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
