Senior Credit Analyst

Industry: AB

Company: SUMITOMO MITSUI TRUST BANK, LIMITED

This role is located in New York City and will require a hybrid work schedule of at least 2 days in office per week.

About the Bank

Sumitomo Mitsui Trust Bank, Limited was established through the merger of The Sumitomo Trust and Banking Co., Ltd with Chuo Mitsui Trust and Banking, Ltd. on April 1, 2012. We are one of the largest asset managers in Asia and number one among Japanese financial institutions by AUM, with approximately $850 Billion USD in AUM. The Bank provides an assortment of financial solutions and manages a broad spectrum of financial products across its global branches.

Department Overview

The Americas Division (“AD”) was established in the Sumitomo Mitsui Trust Bank, Limited, New York Branch) (“SMTBNY”) to perform corporate functions and supervise U.S. entities. Established under the AD are the “Global Banking Unit (“GBU”), Americas Division” and “Global Markets Unit (“GMU”), Americas Division” which performs business functions. The Specialty Finance Department (“SFD”) is responsible for originating, booking and monitoring credit facilities for both bilateral and syndicated loan transactions. SFD focuses on building and monitoring portfolio assets in 3 main product areas: Project Finance, Trade and Commodities, and Aviation.

This role is within the Project Finance area. SMTBNY has supported more than 75 projects over the last 10 years with an active focus on the clean energy industry. We currently have a $3.5 billion portfolio supporting some of the largest clean energy developers in the Americas. We look to forge deep relationships with our customers and provide support with bespoke solutions.

Your Role:

Responsible for credit evaluation and deal maintenance.

This role is for AVP level candidates.

Your Duties and Responsibilities

1. Reviews potential assets in assigned products/industries and prepares credit applications and makes investment recommendations.
2. Ensures compliance with applicable investment guidelines and directives from Head Office and Branch Management.
3. Monitors assigned assets/products/industries to maintain credit quality through asset/product/industry appropriate measures, i.e., financial analysis and trends, cross-sectional analysis, cashflow analysis and market value/liquidity.
4. Prepares all applications and reports and makes recommendations on all amendments, refinancings and other ongoing activities.
5. Responsible for all Head Office and Branch monitoring and reporting requirements, including rating review, business review of documentation, regulatory review, booking and financial and portfolio review requirements, with support from Operations Analyst as designated.
6. May conduct business development activities.
7. May conduct or support deal structuring activities.
8. Performs other duties and responsibilities as assigned by management.

Your Qualifications:

1. MBA degree in relevant field or its equivalent with at least 5 years of related experience.
2. Excellent knowledge of US renewable market including experience with tax equity structures.
3. Capable of analyzing complex financial models and run internal sensitivity analysis.
4. Advanced in Microsoft 365 (Excel, PowerPoint, Word, Outlook, and Access).
5. Excellent communication skills and presentation skills.
6. Strong knowledge of the banking industry, its products and services. Applies knowledge in area of specialization to produce “value-added” results.
7. Contributes to and/or influences unit revenue generation and profitability. Understands the impact of expenses on the Bank’s bottom line and acts accordingly to minimize expenses.
8. Responsible for compliance in area of responsibility. Identifies and understands the risks and laws involved in the department’s operations.
9. Ability to manage a team of employees and provide useful guidance and feedback for their development.

Why you should join SuMi Trust:

SuMi Trust embraces flexible ways of working when the business and role permits. We provide employees with a hybrid working model, allowing for in-office work and work from home. Our diverse and inclusive environment along with our global presence enables us to collaborate and communicate to meet our business needs. We believe that efficient teams need truth, loyalty, and a strong sense of purpose to balance risk and their targets. We make sustainable business decisions to improve our society and the world. We believe that each person brings a unique value that drives the business though their creativity and passion.

• The Employee Benefits package includes: Paid Time Off, medical, HSA, vision, dental, FSA, 401(k), profit sharing, legal plan, cancer indemnity plan, disability insurance, life insurance, employee assistance program, commuter benefits, business travel accident, paid volunteer day, paid memberships, paid seminars, and tuition assistance.
• We offer many socialization opportunities for wellness, financial wellbeing, runs/walks, team building, happy hours, and activities to support the Sustainable Developmental Goals.

Check out our LinkedIn for our employee experience: https://www.linkedin.com/company/smtbny

We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law. SuMi Trust provides reasonable accommodations for employees and applicants with disabilities consistent with applicable law. If you need a reasonable accommodation during the application process, please let us know when the Human Resources staff reaches out to you for an interview.

The anticipated salary range for this role is listed above. The specific salary offered to an employment applicant is based on the individual’s qualifications, experiences, the job responsibilities, an analysis of the current compensation paid for similar roles in the local geographic area, and key distinctions of the job as compared to current jobs in the Branch. The role may also be eligible for an annual discretionary bonus.