Vice President, Credit Portfolio Risk - Credit Risk Framework & Policy Governance

Sumitomo Mitsui Banking Corporation • Charlotte, NC

3d • Hybrid

About The Position

SMBC Group is a top-tier global financial group with a 400-year history, offering diverse financial services worldwide. In the Americas, SMBC Group provides commercial and investment banking services to corporate, institutional, and municipal clients, connecting them to local markets and its global network. The Americas Division includes various operating companies such as Sumitomo Mitsui Banking Corp. (SMBC). The Credit Portfolio Risk team within the Risk Management Department of the Americas Division is seeking a Vice President to support regulatory alignment, policy development, and governance enhancements across key credit risk frameworks. This role involves coordinating with cross-functional stakeholders to translate regulatory requirements into clear credit policies, controls, and reporting, ensuring audit-defensible documentation, governance transparency, and timely delivery of program milestones.

Requirements

• 7+ years of experience in credit risk, credit policy, or regulatory program execution
• Experience supporting regulatory remediation, policy development, or risk governance initiatives
• Demonstrated experience coordinating cross-functional deliverables in a structured program environment
• Strong understanding of credit risk frameworks, including credit lifecycle management and processes, including Watchlist, regulatory classification, and problem asset management
• Working knowledge of regulatory expectations and governance structures within a large financial institution
• Ability to translate regulatory requirements into actionable policy and control frameworks
• Strong program coordination and stakeholder management skills across 1LoD/2LoD environments
• Demonstrated ability to produce clear, structured, and audit-ready documentation and presentations
• Bachelor’s degree in finance, economics, or related field required

Responsibilities

• Lead and support regulatory gap assessments across credit risk, ensuring clear traceability from regulatory requirements to internal policy, controls, and execution.
• Draft and maintain credit risk policies, standards, and procedures; support governance forums with structured materials, decision tracking, and policy alignment.
• Partner with 1LoD, 2LoD, Risk Data & Product, and business stakeholders to align on requirements, manage dependencies, and drive timely resolution of deliverables and approvals.
• Coordinate with regional stakeholders to support consistency in credit risk frameworks, regulatory interpretation, and governance practices across jurisdictions.
• Prepare and maintain documentation, including gap assessment materials, decision logs, control mappings, and status reporting to support governance transparency and both internal audit and external regulatory review readiness.
• Drive execution across workstreams with clear ownership, milestone tracking, and proactive resolution of risks, issues, and dependencies, ensuring alignment to regulatory timelines and governance expectations.
• Support implementation of policy and framework enhancements, including alignment of classification logic, escalation protocols, and reporting outputs with approved governance standards.
• Contribute to the enhancement of credit risk processes to strengthen governance, consistency, and regulatory alignment.

What This Job Offers

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