Credit Portfolio Management, Director (Real Estate, Gaming & Leisure/Consumer & Retail)

Sumitomo Mitsui Banking Corporation•New York, NY

8d•Hybrid

About The Position

The Director is responsible for leading credit underwriting and portfolio management activities within Credit Portfolio Management, including oversight of portfolio monitoring, transaction execution, risk ratings, US Regulatory Classification, and exposure management. The role manages a team of credit professionals, drives consistent credit practices, ensures compliance with internal policies and regulatory requirements, and supports proactive portfolio risk management and decision-making. The Director will have oversight responsibilities for Industry Vertical with more than 10 direct and indirect reports.

Requirements

Expert understanding of corporate credit risk, portfolio management, and credit underwriting practices.
Knowledge of the Real Estate, Gaming & Leisure (REGL) and Consumer & Retail sectors, including key industry, regulatory, operating, and credit risk drivers.
Expert knowledge of US lending regulations, regulatory classification frameworks, and credit governance requirements.
Solid proficiency in understanding legal documentation, ability to construct and negotiate term sheets and amendments.
Strong understanding of corporate finance, capital structure analysis, and fixed income markets.
Ability to garner support and secure buy in across a wide range of stakeholders; ability to create a strong network of relationships among peers, internal partners, external constituencies and decision makers to deliver end products.
Demonstrated leadership experience managing and developing high-performing teams.
Deep understanding of policies, procedures, compliance and approval process at the Bank, necessary to aid execution.
Experience managing audits, regulatory reviews, issue remediation, and control environments.
Solid understanding of product risk (F/X, IRS, Trade Finance, Lease Finance, Securitization)
10+ years of comparable or relevant experience.
Credit analyst experience is required.
US Regulatory Classification experience is essential.
Strong Microsoft Office skills and experience (Excel, PowerPoint and Word)

Nice To Haves

Bachelor's degree or equivalent work experience preferred.
Academic distinction and coursework in economics, financial accounting, and corporate finance preferred.
MBA a plus.

Responsibilities

Lead portfolio-level credit underwriting, transaction execution, and portfolio management activities.
Manage teams of credit professionals and provide leadership, coaching, and performance oversight.
Oversee preparation and review of credit applications, annual and quarterly reviews, and other monitoring reports. Ensure the appropriate processing of transaction-related requests.
Maintain high standards of credit analysis through effective review, challenge, and oversight of team work product. Drive performance improvement by leading best practices in credit underwriting to ensure the highest quality of analysis within CPM.
Ensure timely identification, escalation, and remediation of emerging credit risks across the portfolio.
Drive consistent application of credit policies, procedures, risk ratings, and US Regulatory Classification requirements. Develop, implement and own CPM policies and procedures and provide effective training to ensure the proper governance within the group.
Ongoing portfolio reporting, portfolio management, and credit cost oversight.
Oversees relevant aspects of the control environment including issues management, audits/reviews, Annual Risk Assessment, testing of controls and customer remediation.
Ensures compliance in a complex regulatory environment through effective operational controls and incorporating updates to regulatory controls into day-to-day operational processes.
Lead preparation and advocacy on behalf of PMG for Credit Review and Internal Audit exams as well as all Fed exams
Partner with Front Office, Credit, Risk Management, Legal, Compliance, and other stakeholders to support portfolio objectives and transaction execution.
Support adoption of technology, automation, data analytics, and AI tools to enhance portfolio management effectiveness.