Japanese Bilingual Credit Risk Associate

Major Responsibilities:

Portfolio Management & Underwriting

Perform due diligence and regularly scheduled credit reviews.

Analyze credit risk of the designated portfolio, determine accurate ratings and make recommendations of accurate and timely ratings to management; designated customers will be more complicated ones than those assigned to junior PMs, such as lower graded customers, customers with large credit exposure, customers with structured finance transactions, and customers with complex corporate structure.

Prepare detailed credit analysis and credit applications in accordance with Bank’s credit policies and procedures such as Americas Credit Standards, Americas Credit-Related Procedures, Credit and JCB’s internal operating manuals, evaluating the borrower’s industry, business, legal and financial risks, and recommend extensions of credit.

Manage deadlines and workload in accordance with the schedule.

Function as a subject matter expert with regard to particular industries and industry subsectors.

Fully understand and be able to assess risk of standard bank products including loans, standby letter of credit, trade finance, foreign exchange, derivatives, securitization, and lease.

Interview the borrower’s senior management to assess their business/financial risks/challenges. Maintain direct communication with assigned customers, if needed by RM (relationship manager).

Coordinate and communicate critical account information to various related parties throughout the bank.

Oversee covenants compliance, facility due date, condition/instruction/report required, and call memos.

Perform other risk related functions as needed.

Deal Support

Work with business lines/product groups to identify prospective transactions.

Lead new deals with moderate complexity for both existing and new customers from the credit underwriting perspective with moderate supervision. Experienced associates can identify structural risks and mitigants in prospective transactions and recommend/enhance structuring of deals and covenant in line with policies and procedures. Manager will periodically check in, however, associates can also make appropriate judgement when to escalate/consult with the manager where necessary.

Advise account officers on credit risk issues, terms and conditions to craft the best possible deal with the goal of improving profit and minimizing credit cost.

While closely consulting with manager, communicate with credit division/administration with regard to rating rationale, facility structuring/exposures and ensure credit division provided with all credit related information and analysis pertinent to making a decision.

Policy Compliance

Ensure compliance with external regulatory requirements (JFSA, BOJ, FRB, OCC and FDIC).

Ensure compliance with internal policy and procedures by understanding and adhering to Americas Credit Standards, Americas Credit-Related Procedures, Credit Rules, Procedures for Credit Ratings, JCB Operating Manual, and any other applicable pronouncements.

Support Dept. managers in credit risk management process.

Support junior analysts on OJT basis as assigned by the manager (experienced associate).

Study, develop and improve analytical skills through close communication with related divisions, such as Americas Credit Rivew, Credit departments, Credit Policy Office and other Credit Divisions with support from managers.

Assist managers in the training efforts.

Maintain and monitor compliance reporting requirements.

Qualifications

Requirements include:

Proficient in MS Office including Outlook, Word, Excel and PowerPoint. Knowledge in banking applications is a plus.

Sound knowledge in finance, accounting, legal, regulations for commercial banking products

Bachelor’s degree in a related field such as accounting, finance.

MBA/ CFA, a plus

3-5 years working experience in large financial institutions, credit and risk related function in equivalent organizations analyzing general corporate customers and making credit recommendations or other financial related roles such as M&A in accounting firms, business analysis in accounting/ consulting firms, analyzing subsidiaries performance in corporate finance function.

Previous experiences including handling a segment of an industry vertical or a primarily investment grade commercial loan portfolio and coordinating with execution team for proper booking of newly assigned accounts, preferred.

Japanese language skills