Senior Risk Analyst, Japan Credit Underwriting

CFA Institute; Singapore; On-site; SGD 90,000 - 160,000; Full time

Benefits offered by this job

Competitive base salaries

Bonus incentives

Medical, dental, vision, life, anddis

Disability benefits

Flexible working model

Parental leave

Wellness centers

Healthy Minds program

Career development and training

Job summary

American Express CRU team analyzes and manages credit risk for institutional exposures across regions with a Japan-focused mandate. The role involves rating and underwriting credit exposures, using fundamental analysis and internal rating models to determine credit capacity and program structures.

You will collaborate with front office and risk partners to ensure sound recommendations and profitability while maintaining high standards of risk management.

Qualifications

• Expertise as a credit risk analyst for commercial exposures (SME to multinational) in Japan or with Japanese banks in Singapore.
• Ability to read Japanese financial statements is a must.
• Experience in structuring facilities and risk mitigation techniques.
• Understanding of GAAP/IFRS, corporate valuation, and forecasting.

Responsibilities

• Rate and underwrite credit exposures in assigned region, industry, and business line (Japan market).
• Perform fundamental analysis using business, financial, industry and country risk data.
• Interact with front office, risk partners, and credit administration to deliver ratings and underwriting decisions.

Skills

Credit risk analysis

Underwriting

Japanese language (reading financials)

Financial statement review

Macro trends analysis

Risk assessment

Decision making

Industry knowledge – Japan

Team collaboration

Analytical judgment

Education

Bachelor's degree in finance, accounting, economics, or statistics

Graduate degree or CFA designation (plus)

Job description

American Express CRU team analyzes and manages credit risk for institutional exposures across regions with a Japan-focused mandate. The role involves rating and underwriting credit exposures, using fundamental analysis and internal rating models to determine credit capacity and program structures.

You will collaborate with front office and risk partners to ensure sound recommendations and profitability while maintaining high standards of risk management.