Job Description 

Job Title: Credit Analyst

Date: 16 December 2025

Department: Credit Management (CTCM)

Location: Tokyo

Business Line / Function: Credit Management (CTCM)

Reports to: Head of Analysts

Grade: VP

Position Purpose

Credit Analysts play a fundamental role in the selection of the bank’s assets, thereby contributing to the sustainability of the business model. Their expertise and objectivity are critical in reaching the right credit decisions.

This population is therefore expected to master aspects of credit management such as rating analysis, financial modeling, credit risk management and relevant internal/external regulations.

Responsibilities

Direct Responsibilities

• Perform credit analysis and prepare credit memo for assigned accounts including new transactions, annual reviews, renewals, amendments, waiver request and financial updates.
• Complete Credit Proposals enabling the Credit Committee to make an informed decision.
• Strong interaction with the Risk department, Coverage and Product teams including coordinating the credit process amongst the various product and risk teams to ensure an efficient turnaround of transactions.
• Maintain reporting related to the portfolio including pipeline tracking, exposure tracking, watchlist and other general reports.
• Interact with internal and external auditors during loan examinations.
• Interact with other bank branches to coordinate on client strategy and credit reviews across regions.
• Attend bank meetings and or client calls with the Relationship Managers in case of need
• Assist in the training and mentoring of junior credit analysts, interns and junior RMs in case of need.
• Deliver a complete, synthetic and coherent up-to-date counterparty and credit risk analysis, based on facts and compliant with the Bank’s guidelines.
• Support the Relationship Manager / Front Officer in credit process-related matters within own scope (plan CCs ahead etc)
• Portfolio monitoring (follow-up of financial covenants, risks alert, core data checks).
• Keep updated with credit methodologies and policies.
• Share information and develop industry intelligence.   

Contributing Responsibilities

• Presentation of Credit Proposals to local Credit Committees.
• Meet clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit.
• Participation in discussions on potential deals.
• Participation in projects linked to improving credit process efficiency.
• To contribute to any other portfolio or credit administrative and statistical works as required by management from time to time.
• Contribute to the Permanent Control framework.

Technical & Behavioral Competencies

• Detail oriented with a strong knowledge of financial statement analysis
• Commercial banking product knowledge
• Strong organization skills with the ability to multi-task and manage workflow in a chancing deadline driven environment. 
• Flexibility to adjust working hours in case of need.
• Excellent communication skills – written, verbal and presentation oriented
• Self-starter with good initiative
• Ability to work in a team structure
• Flexibility to work beyond regular office hours according to business demand
• Credibility in interacting with credit process partners (RM, SCO, Delegation Holders, Regional secretariats of committees etc); providing input and clarifications relating to Credit Committee
• Ability to synthesize information from multiple sources into a clear, concise, coherent, convincing and complete document

Skills Referential                                                                   

Behavioural Skills

Communication skills - oral & written

Transversal Skills:

• Analytical Ability
• Ability to develop and adapt a process

Education Level:

Bachelor Degree or equivalent (3 years)

Experience Level

At least 2 years

Other/Specific Qualifications 

Preferred

• Degree in Corporate Finance, Accounting
• Prior experience in a corporate banking environment including experience with credit analysis
• Projection modelling skills
• Japanese language proficiency for internal/external communication and reading of Japanese financial statements