Credit Risk Analyst/Associate, Bilingual Japanese - CareerVite, LLC

Major global financial institution seeks Bilingual Japanese Credit Risk Analyst/Associate. Hybrid/New York office.

Job Summary:

• Junior Corporate Credit Risk Professional supporting commercial lending & investment banking business primarily to US subsidiaries of Japanese corporate customers.
• Critical function of analyzing credit risks of the customers and determining risk ratings based on internal procedures / policies and guidelines with support from senior portfolio manager.
• Responsible for active credit management of a designated portfolio utilizing solid credit skills & judgment, making timely and accurate recommendations to management on credit exposure & risk ratings.
• The accounts assigned might be less complicated in types of business or deal structures than those assigned to senior portfolio manager.

Major responsibilities:

Active Portfolio Management of Designated Customers under the Guidance of Senior Portfolio Managers

• Manage a designated portfolio of Japanese corporate credit customers.
• Perform due diligence and scheduled reviews regularly.
• Analyze credit risk of the designated portfolio, determine accurate ratings, and make recommendations of accurate and timely ratings to management with support from senior portfolio manager.
• Prepare detailed credit analysis and credit applications in accordance with Americas Credit Policy, Americas Credit-Related Procedures, Credit Rules, and JCB Credit Operating Manual, evaluating the borrower’s industry / business / legal / financial risks and recommending extensions of credit to management.
• Basic cash flow modeling skills and understanding of assigned industries / industry sub-sectors are required, and maintain most updated knowledge on the industries through internal / external sources and direct communication with the customers.
• Able to understand and assess risk of standard bank products such as loans, stand-by LC, trade finance, forex, derivatives, and securitization.
• Maintain direct communication with assigned customers.
• Oversight of covenants compliance, facility due date, condition / instruction / report required.
• Responsible for coordinating and communicating account information to internal auditors and external regulators (e.g., FRB, FSA, BOJ, SNIC, OCC).
• Ongoing training to enhance the all-around skill sets of a portfolio manager.
• Perform other related functions as assigned.

Deal Support

• Work with business lines / product groups to identify prospective transactions.
• Identify structural risks and mitigant in prospective transactions and recommend / enhance structuring of deals and covenant in line with policies and procedures.
• Advise relationship managers on credit risk issues, terms & conditions, to create the best possible deal with a goal of improving profit and minimizing credit cost with support from senior portfolio manager.
• Communicate with credit divisions with regard to rating rationale, facility structuring / exposures, and ensure credit divisions are furnished with all credit related information / analysis pertinent to making a decision.

Policy Compliance

• Ensure compliance with external regulatory requirements (JFSA, BOJ, FRB, OCC).
• Ensure compliance with internal policy and procedures by understanding and adhering to Americas Credit Policy, Americas Credit-Related Procedures, Credit Rules, Procedures for Credit Ratings, JCB Credit Operating Manual, and any other applicable pronouncements.

QUALIFICATIONS:

• Minimum 1-3 years of working experience in financial institutions or equivalent, in accounting / financial analysis areas.
• Excellent communication skills (both oral and written).
• Japanese language skill (business level or higher) required.
• Bachelor’s degree required (major in accounting / finance / business preferred).
• MBA or CFA is a plus.
• Completion of formal credit training is a plus.

The typical base pay range for this role is between $70K - $95K depending on job-related knowledge, skills, experience and location. This role may also be eligible for certain discretionary performance-based bonus and/or incentive compensation. Additionally, our Total Rewards program provides colleagues with a competitive benefits package (in accordance with the eligibility requirements and respective terms of each) that includes comprehensive health and wellness benefits, retirement plans, educational assistance and training programs, income replacement for qualified employees with disabilities, paid maternity and parental bonding leave, and paid vacation, sick days, and holidays.