Japanese Bilingual Credit Risk Associate

TOP Group - Japanese Recruiting Agency; New York (NY); On-site; USD 90,000 - 110,000; Full time

Job summary

TOP Group - Japanese Recruiting Agency seeks a Deal Support professional in New York to identify prospective transactions and lead moderately complex deals from a credit underwriting perspective. The role involves advising on risk issues, structuring terms, and coordinating with the credit division to ensure thorough decision-ready analyses.

Requirements include 3–5 years in large financial institutions or related fields (M&A, accounting, consulting), strong MS Office skills, and a bachelor’s

Qualifications

• Proficient in MS Office including Outlook, Word, Excel and PowerPoint.
• Knowledge in finance, accounting, legal, regulations for commercial banking products.
• Bachelor’s degree in a related field such as accounting, finance.
• 3–5 years working experience in large financial institutions, credit and risk related function.
• Experience in coordinating with execution teams for proper booking of accounts is preferred.

Responsibilities

• Identify prospective transactions with business lines and product groups.
• Lead new deals with moderate complexity for existing and new customers.
• Advise account officers on credit risk issues and terms to optimize profitability.
• Communicate with credit division to ensure complete credit-related information and analysis.
• Support managers and junior analysts in credit risk management and training.

Skills

Credit risk

Financial analysis

Regulatory knowledge

M&A experience

Education

Bachelor’s degree in accounting or finance

Tools

MS Office Suite

Job description

Deal Support

Work with business lines/product groups to identify prospective transactions.

Lead new deals with moderate complexity for both existing and new customers from the credit underwriting perspective with moderate supervision. Experienced associates can identify structural risks and mitigants in prospective transactions and recommend/enhance structuring of deals and covenant in line with policies and procedures. Manager will periodically check in, however, associates can also make appropriate judgement when to elevate/consult with the manager where necessary.

Advise account officers on credit risk issues, terms and conditions to craft the best possible deal with the goal of improving profit and minimizing credit cost.

While closely consulting with manager, communicate with credit division/administration with regard to rating rationale, facility structuring/exposures and ensure credit division provided with all credit related information and analysis pertinent to making a decision.

Policy Compliance

Ensure compliance with external regulatory requirements (JFSA, BOJ, FRB, OCC and FDIC).

Ensure compliance with internal policy and procedures by understanding and adhering to Americas Credit Standards, Americas Credit-Related Procedures, Credit Rules, Procedures for Credit Ratings, JCB Operating Manual, and any other applicable pronouncements.

Support Dept. managers in credit risk management process.

Support junior analysts on OJT basis as assigned by the manager (experienced associate).

Study, develop and improve analytical skills through close communication with related divisions, such as Americas Credit Rivew, Credit departments, Credit Policy Office and other Credit Divisions with support from managers.

Assist managers in the training efforts.

Maintain and monitor compliance reporting requirements.

Qualifications

Requirements include:

Proficient in MS Office including Outlook, Word, Excel and PowerPoint. Knowledge in banking applications is a plus.

Sound knowledge in finance, accounting, legal, regulations for commercial banking products.

Bachelor’s degree in a related field such as accounting, finance.

3-5 years working experience in large financial institutions, credit and risk related function in equivalent organizations analyzing general corporate customers and making credit recommendations or other financial related roles such as M&A in accounting firms, business analysis in accounting/ consulting firms, analyzing subsidiaries performance in corporate finance function.

Previous experiences including handling a segment of an industry vertical or a primarily investment grade commercial loan portfolio and coordinating with execution team for proper booking of newly assigned accounts, preferred.