Critical thinking to understand factors impacting portfolio creditworthiness such as economics downturn, market volatility, industry disruptions or changes in interest rates, and ability to analyze a vast and complex amount of information and quickly render credit decisions. (SMBC), SMBC Nikko Securities America, Inc., SMBC Capital Markets, Inc., SMBC MANUBANK, JRI America, Inc., SMBC Leasing and Finance, Inc., Banco Sumitomo Mitsui Brasileiro S.A., and Sumitomo Mitsui Finance and Leasing Co., Ltd.