Associate/ Analyst, Credit Risk

Mitsubishi Corporation; New York (NY); On-site; USD 65,000 - 90,000; Full time

Job summary

Mitsubishi Corporation's Precious Metals Division (PMD) is seeking an Associate/Analyst to support credit risk activities in New York. The role involves drafting credit line applications, monitoring credit exposure, and performing financial and business analyses to support risk decisions and internal controls.

The position requires 1–4 years of relevant experience, strong Excel/PowerPoint skills, and attention to detail.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business, or related field preferred.
• 1–4 years of experience in credit risk, finance, accounting, middle office, or related functions preferred.
• Prior internship or junior role exposure to financial analysis or risk management is a plus.

Responsibilities

• Credit Application Support: Prepare draft credit line applications and summarize financial statements for counterparties.
• Credit Monitoring & Reporting: Assist in monitoring counterparty credit exposure and maintain internal monitoring tools.
• Financial & Business Analysis Support: Conduct basic financial analysis and gather market information relevant to counterparties.
• Operational & Process Support: Identify improvements to credit processes and coordinate with Front, Middle, and Back Office.

Skills

Accounting basics

Financial analysis

Attention to detail

Excel & PowerPoint

Information organization

Education

Bachelor’s degree in Finance or related field

Tools

Excel

PowerPoint

Job description

Posted Tuesday, July 14, 2026 at 4:00 AM | Expires Tuesday, September 1, 2026 at 3:59 AM

Precious Metals Division (PMD) is engaged in physical oriented precious metals trading. In addition to spot purchases and sales, PMD is also active in forward and leasing transactions.

PMD faces industrial customers and trading companies across various industries and countries and manages a diversified credit exposure portfolio.

The role of Associate / Analyst, Credit Risk is to support the Senior Manager of Credit Risk in analyzing, preparing, and maintaining credit-related materials. This position is responsible for drafting credit line applications, monitoring credit exposure, and supporting financial and business analysis. The role contributes to the smooth operation and improvement of PMD's credit risk management framework.

• Key Accountabilities - Indicate key functions and the estimated percentage of time spent performing each function. If there are more than 10 key responsibilities, some of the similar functions may be grouped together and an estimated % applied.

35

Credit Application Support

• Prepare draft credit line applications (new, renewal, amendments) under the guidance of Senior Manager
• Collect, organize, and summarize financial statements and related materials for counterparties
• Contribute to preparation and maintenance of Gendo (credit limit) applications and internal approval documentation
• Ensure consistency and accuracy of figures, assumptions, and supporting materials

25

Credit Monitoring & Reporting

• Assist in ongoing monitoring of counterparty credit exposure and utilization
• Maintain internal credit monitoring tools, files, and trackers
• Help prepare periodic credit monitoring reports for management and Credit Committee
• Coordinate with sales, operations, and credit teams on credit-related matters
• Accompany Front Office team on customer visits and business trips, as necessary, to perform credit due diligence, assess counterparties, and strengthen business understanding

20

Financial & Business Analysis Support

• Conduct basic financial analysis of counterparties (financial ratios, trend analysis)
• Assist in gathering industry and market information relevant to PMD counterparties
• Prepare summary materials to support senior-level business and industry analysis

20

Operational & Process Support

• Identify improvements to credit-related operational processes and documentation
• Coordinate with Front, Middle, and Back Office on information collection and data consistency
• Assist in maintaining and updating internal credit-related procedures and templates
• Maintain and update collateral records (e.g., LCs, PCGs)

100%

TOTAL*

Relevant Experience and Education

Education

• Bachelor’s degree ( Finance, Accounting, Economics, Business, or related field preferred)

Experience:

• 1–4 years of experience in credit risk, finance, accounting, middle office, or related functions preferred
• Prior internship or junior role exposure to financial analysis or risk management is a plus

Knowledge and Skills

Required

• Basic understanding of accounting and financial statements
• Ability to perform fundamental financial analysis (ratios, trend analysis)
• Strong attention to detail and accuracy in documentation
• Proficiency in Excel and PowerPoint
• Ability to organize information and meet internal deadlines

Preferred

• Interest or basic knowledge of commodities trading, particularly precious metals
• Familiarity with internal approval processes, credit documentation, or risk management frameworks