Bilingual Japanese Credit Associate

International Bank is seeking a credit analyst with Japanese language skills responsible for credit risk management and related administrative work. Works with and assists the Account Officer to service the Bank’s corporate clients. Develops and analyzes all types of credit information, completes all documents (including projections), prepares analysis and makes appropriate recommendations. Assists in relationship management and promotion of non-credit business as required.

  • Financial statement analysis of borrowers and their parent companies;
  • Preparation of credit applications, for new, renewals, amendments and extensions;
  • Preparation of various applications relating to non-credit business such as fee waiver, daylight overdraft, etc.;
  • Credit rating, both for borrowers and for each facility;
  • Credit monitoring including conducting covenant checks;
  • Assist in asset quality assessment;
  • Assist in relationship management and promotion of non-credit business with clients;
  • Information gathering related to clients’ business, industries and market competitors;
  • Correspondence with clients to answer various requests and inquiries;
  • Correspondence with other company offices to exchange information regarding company’s business strategy toward a specific client, business conditions of a parent company, etc.;
  • Request Loan/Credit/Non-Credit Agreement/documents to Legal department and provide & explain necessary background information and conditions to legal department for them to draft the agreements/documents

Additional tasks are;

  • Maintenance and updating of credit files;
  • Preparation for regulatory examinations and internal/external audits;
  • Preparation of credit documents;
  • Preparation of documents related to both credit and non-credit business;
  • Arrangement of business meetings with clients
  • Obtain a basic understanding of the applicable rules and regulations that govern the Bank;
  • Understand that all questions and/or clarification about such rules and regulations should be directed to the Legal & Compliance Department;
  • Attend Annual Compliance Training presented by the Legal & Compliance Department;
  • Read and respond as necessary to all compliance-related materials received. Comply with the Bank’s “Code of Conduct.

 

Requirements:

  • Bachelor’s degree or higher in Finance, Accounting, Business, or Economics
  • Work exp. in financial firms and public accounting firms preferred.
  • Effective verbal and written communication skills in both Japanese and English is required
  • Prior experience in financial statements / cash flow / credit analysis highly preferred
  • Good analytical, organizational and communication skills
  • Word, Excel, Access, and PowerPoint