Quality Assurance for Credit Underwriting and Portfolio Management - Vice President

Sumitomo Mitsui Banking Corporation • New York, NY

9d • $225,000 - $225,000 • Hybrid

About The Position

Sumitomo Mitsui Banking Corporation (SMBC) is seeking a detail‑oriented Vice President to serve as a Credit Quality Assurance (QA) Officer for the Wholesale Portfolio within the Americas Division (AD).
As a QA Officer, the professional will join the Strategic Credit Solutions (SCS) team within Credit Product Management (CPM). This role offers the opportunity to evaluate underwriting and portfolio management quality across SMBC AD, deliver timely feedback to stakeholders, and contribute to ongoing enhancements of policies, procedures, and guidelines.
This position collaborates closely with partners across the three lines of defense—Front Office, Credit Department, and Credit Review/Internal Audit.

Requirements

• Bachelor’s degree with minimum 7 years of experience in wholesale credit risk or related fields.
• Strong knowledge of wholesale credit analysis and credit risk assessment.
• Effective analytical and communication skills.
• Foundational understanding of wholesale credit products.
• Strong organizational skills and proficiency in Microsoft Office applications.
• Ability to work independently and collaboratively within a team.
• High attention to detail with the ability to maintain awareness of broader risk themes.
• Ability to identify, evaluate, and escalate emerging risks.
• Strong decision‑making and complex‑issue resolution skills.
• Willingness to learn and adopt SMBC’s proprietary systems and tools.
• Demonstrated intent to grow a career within financial services.
• Constructive, solutions‑oriented mindset.

Nice To Haves

• Familiarity with credit review processes preferred.
• Interest in applying Artificial Intelligence (AI) tools to enhance processes.
• Experience with the banking regulatory environment is welcome.

Responsibilities

• Participate in end‑to-end QA testing and discuss observations with QA team members and Front Office partners to ensure alignment.
• Conduct continuous monitoring of credit portfolios as part of preventative testing and Operational Efficiency & Sustainability (OES) initiatives.
• Develop and apply tailored review questionnaires based on credit product type and relevant risk drivers.
• Ensure credit underwriting complies with internal policies, procedures, guidelines, and expectations from the Third Line of Defense (Credit Review) and regulatory bodies.
• Consolidate QA results and provide structured feedback to underwriters and portfolio managers.
• Track and monitor corrective action plans addressing systemic or recurring deficiencies.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level