ACCOUNTING & FINANCE
Overview
A Japanese bank is seeking for a Credit Analyst with basic financial accounting education and experience.
Description
Duties & Responsibilities:
General:
• 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 offices to exchange information regarding 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
• Other duties as determined by Deputy General Manager and/or Account Officers.
2. Administrative:
• 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, etc;
• Other duties as determined by Deputy General Manager and/or Account Officers
3. Policy / Compliance:
• 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
• Prior banking, rating agency or other financial institution experience is 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