Credit Portfolio Risk Analyst

Sumitomo Mitsui Banking Corporation•New York, NY

1d•$69,000 - $85,000•Hybrid

About The Position

SMBC is seeking a highly analytical and detail-oriented Credit Portfolio Analyst to support the Risk Identification (ID) and Risk Appetite processes for the Americas Division (AD). This role is a key contributor to materials for internal risk committees and regulators, translating complex portfolio data, stress testing outputs, and strategic business considerations into clear, actionable risk appetite metrics and limits for senior management. The position requires strong analytical capabilities, sound credit risk knowledge, and the ability to deliver concise, well-structured executive presentations.

Requirements

Solid understanding of credit risk concepts including internal ratings, risk appetite, criticized assets and watchlists, and governance frameworks
Experience working with large data sets and portfolio-level metrics
Advanced Excel skills (data manipulation, pivot tables, complex formulas)
Proven PowerPoint skills for executive-ready presentations
Strong written and verbal communication skills, with the ability to synthesize complex analysis into concise messages
Bachelor’s degree in Finance, Economics, Accounting, Mathematics, Statistics, or a related analytical field
1-2 years of relevant experience in credit risk analytics, portfolio management, or risk reporting at a bank or large financial institution
Experience in a U.S. regulatory environment (Federal Reserve, OCC, or similar) or at a foreign banking organization

Nice To Haves

Professional certifications or coursework in risk management, credit analysis, or data analytics (FRM, CFA, or similar) is a plus

Responsibilities

Assist in the development, implementation, and ongoing enhancement of the credit risk identification framework and processes
Analyze credit portfolio trends, concentrations, rating migration, and emerging risks; support identification of thematic vulnerabilities across the AD portfolio
Participate in material risk forums to review, challenge, and assess risk impacts, and prepare governance and regulatory meeting materials
Support development, calibration, and monitoring of Risk Appetite metrics and limits, incorporating stress testing outputs and compliance results
Translate complex data and analytics into clear, actionable risk narratives for senior stakeholders
Contribute to Risk Appetite updates and enhancements, ensuring consistency in scope and methodology with HO and regional frameworks
Support the ownership of end‑to‑end credit risk reporting data pipeline, including data source, transformation, validation, and aggregation across multiple internal systems
Work with Stress Testing and Model teams to support the refinement of risk identification methodologies, including materiality assessment approach
Collaborate with the Data team to improve data controls and communicate enhanced approaches and methodologies, ensuring consistency in definitions and calculations for Risk Appetite reporting
Support credit risk governance processes, including committee materials, approvals, and action-item tracking
Recommend improvements to increase efficiency, transparency, and consistency of portfolio reporting