POSITION TITLE Credit Analyst
POSITION SUMMARY
This role focuses on credit analysis and internal credit approval processes for lending transactions with Japanese corporate clients. Working closely with Relationship Managers, the individual will evaluate credit risk, assign internal ratings, prepare credit applications, and support ongoing portfolio management.
RESPONSIBILITIES
Conduct credit analysis for lending transactions, including financial analysis (BS/PL/CF), industry review, and business risk assessment
Assign and maintain internal credit ratings
Prepare credit application memos and drive internal approval processes
Monitor existing borrowers, including periodic credit reviews and performance analysis
Liaise with Head Office and risk teams to explain transactions and report developments
Support adherence to internal credit policies and risk management frameworks
Provide recommendations to front-office teams, including structuring insights where applicable
QUALIFICATIONS
Minimum of 3 years of experience in a bank or financial institution
Strong knowledge of financial statement analysis (balance sheet, income statement, cash flow)
Business-level proficiency in English (verbal and written)
Business-level proficiency in Japanese (native or near-native preferred)
Strong analytical and critical thinking skills
Ability to collaborate across teams and communicate effectively with stakeholders
PREFERRED QUALIFICATIONS
Experience in corporate banking
Understanding of Japanese corporate clients and business culture
Familiarity with internal rating models and credit policies
Knowledge of the U.S. market and regulatory environment
Professional certifications such as CPA, CFA, or FRM
LOCATION New York, NY
WORK STYLE Hybrid work (minimum 2 days in office per week)
SALARY USD 100,000 for Associate
USD 100,000-120,000 for Officer
BENEFITS Medical, Dental, Vision, 401K, PTO, Vacation
OTHER No visa support