Vice President overseeing credit worthiness of project finance portfolios at SMBC Group. Analyzing transactions and managing borrower relationships in North America.
Responsibilities
Oversee the overall credit worthiness of an assigned portfolio of obligors and their ability to meet their financial obligations for complex Project Finance / Corporate transactions.
Continuously monitor the portfolio with a view to identifying deteriorating situations early.
Responsible for monitoring and reporting on the portfolio quality against established criteria and recommending adjustments to existing credit facilities, as appropriate.
Prepare periodic reviews for the borrowers in the assigned portfolio.
Analyze and, if appropriate, seek credit approval for amendment and consent requests from borrowers.
In preparing applications for credit approval, demonstrate a good understanding of the request, the impact of the proposed consent on the credit risk of the borrower/transaction, any mitigants to the increased risk and the justification for approval of the request.
Work with the borrower, legal counsel, the independent engineer, and other consultants as necessary to structure and manage consent processes (including but not limited to waivers and amendments of financing documents, etc.).
Ensure registration of accurate and up-to-date KYC information for borrowers.
Respond to ad hoc information requests.
Requirements
A minimum of 5 years of experience covering project finance transactions in a portfolio management team or credit department of a lending institution.
Strong background in accounting / financial analysis / modelling / legal documents is preferred.
Required: BA / BS
Preferred: MA / MS / MBA
CFA preferred
Deep understanding of the associated legal documents and financial analysis.
Expected to have highly advanced level of credit experience, documentation experience in proposing and negotiating, both internally and externally, credit and covenant structures and documenting loans.
In-depth knowledge of credit structures of project finance transactions or other asset-based credit transactions that often involves multiple layers of stakeholders.
Ability to complete complex credit analysis, negotiate with deal parties, and process closing in short turnaround.
Broad knowledge of the Project Finance market and the ability to manage risk within a complex and diverse portfolio.
Ability to manage the delivery of direct and agent support to the line units to ensure timely and quality support in addition to compatibility with Bank's risk appetite and profile.
Deep understanding of regulatory, compliance framework.
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