Join a leading global banking institution as a Credit Risk Officer (Assistant Vice President / AVP) within its Credit Risk Management (CRM) division in Tokyo.
In this role, you will help safeguard the bank's corporate lending portfolio by assessing creditworthiness, reviewing complex financing transactions and maintaining effective risk controls.
You will oversee credit risk across corporate lending, specialised finance and derivative transactions, evaluating financing proposals and developing appropriate risk mitigation structures in accordance with the bank's underwriting standards.
Working closely with front-office business teams, senior management and external auditors, you will support commercially sound transactions while maintaining strong regulatory compliance.
This is an excellent opportunity for an experienced Credit Risk Management or Investment Banking professional to develop their career in an international banking environment, gain exposure to complex credit structures and contribute to the bank's risk management strategy in Japan.
Key Responsibilities
- Develop and execute credit risk management strategies for corporate and specialised lending portfolios.
- Assess the creditworthiness and financial standing of corporate borrowers to support informed lending decisions.
- Review credit proposals and approve transactions within designated underwriting limits and delegated authorities.
- Evaluate complex financing structures, including structured finance, property lending and corporate credit transactions.
- Design and recommend risk mitigation structures for commercial lending and derivative products.
- Collaborate with front-office business units to structure transactions that meet internal credit policies and regulatory requirements.
- Monitor portfolio risk exposures and identify potential credit concerns to support the stability of the lending portfolio.
- Prepare clear credit risk assessments and recommendations for senior management and relevant decision-makers.
- Work with external auditors to support regulatory compliance, risk governance and audit requirements.
- Provide guidance and mentoring to junior colleagues, supporting consistent credit assessment standards and professional development.
Required Skills and Qualifications
Experience:
- 3+ years of experience assessing creditworthiness and credit risk within an investment banking environment.
- Demonstrated experience evaluating complex structured finance or property lending transactions.
- Strong understanding of corporate credit analysis, lending risk and underwriting principles.
- Experience reviewing credit proposals and assessing transaction risks.
- Familiarity with risk mitigation approaches for corporate lending or financial products.
- Ability to work with business teams and other stakeholders to support compliant transaction structures.
- University degree with relevant formal training in finance, banking, risk management or a related discipline.
Soft Skills:
- Excellent communication skills, with the ability to present complex credit risk assessments clearly and concisely to senior management.
- Strong analytical judgement and attention to detail when evaluating lending proposals and financial risks.
- Leadership capabilities and a willingness to mentor junior team members.
- Collaborative approach to working with front-office teams, risk stakeholders and external auditors.
- Strong sense of accountability and commitment to regulatory compliance and effective risk management.
- Effective organisational skills to manage multiple credit assessments and competing business priorities.
Language Requirements:
- Japanese: Native level, including the ability to review local credit and regulatory documentation.
- English: Fluent level for communication within an international banking environment.
Preferred Skills & Qualifications
- CFA (Chartered Financial Analyst) certification.
- Experience managing credit risk for corporate banking or specialised lending portfolios.
- Exposure to credit assessment of structured finance and real estate lending transactions.
- Knowledge of risk mitigation structures for derivative products.
- Experience presenting credit recommendations to senior banking stakeholders.
- Experience supporting junior credit analysts or risk management colleagues through coaching and mentoring.
About the Company
Our client is a prominent global financial institution providing corporate banking and financial solutions to clients across international markets.
With an established and influential presence in Japan, the organisation delivers sophisticated banking services while maintaining a strong focus on credit risk governance, regulatory compliance and responsible lending.
The company promotes an inclusive and empowering workplace culture, encouraging collaboration, professional development and high standards of financial risk management.
Employees have opportunities to develop their expertise within a global banking network while contributing to the stability and success of the institution's Japanese operations.
Why You'll Love Working Here
- Join the Credit Risk Management division of a leading global bank in Tokyo.
- Take on an Assistant Vice President (AVP) position with meaningful responsibility for corporate lending and transaction risk.
- Gain exposure to structured finance, property lending, corporate credit and derivative transactions.
- Work closely with front-office teams, senior management and international banking stakeholders.
- Develop your career through international mentorship networks and professional development opportunities.
- Benefit from comprehensive health coverage and tailored well-being programmes.
- Enjoy remote and work-from-home options, alongside flexible scheduling.
- Benefit from minimal overtime and a workplace that supports work-life balance.
- Enjoy a casual clothing policy and the option to undertake side business activities, subject to company policies.
- Receive a competitive annual compensation package of ¥11M-¥14M.
Don't Miss Out - Apply Now!
