Role Objectives Lead underwriting applications for increases to total facility, M&A transactions, dividends, refinancing and re-pricing transactions that arise from existing portfolio Analyze, negotiate and prepare credit applications and amendments Act as direct account manager for assigned portfolio of accounts Prepare credit analysis for quarterly and annual reviews Provide training and guidance to junior staff members in credit monitoring skills 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 Prepare financial projection models including Base Case and development of Stress Case scenario Review of projections and budget achievement Utilize various IT systems including customer setup, compliance and portfolio management systems Qualifications and Skills Minimum of 5 years of credit and lending background preferred Good accounting and financial analysis skills Experience in review and interpretation of historical and projected statements Strong credit background with the ability to independently evaluate capital structures, leverage, cash flows, repayment capacity, industry trends, competitive landscape, and customer issues as well as other risks and mitigants Strong understanding of Credit Agreement provisions and ability to negotiate amendments Exposure to bank regulatory policies and reviews Knowledge of bank grading systems * Strong communication skills and team orientation SMBC's employees participate in a Hybrid workforce model that provides employees with an opportunity to work from home, as well as, from an SMBC office. The position will interact with senior members of SMBC management including credit and risk professionals, and is directly responsible for managing the relationship with borrowers as well as with Private Equity Sponsors in connection with SMBC sponsor coverage.