Take a leadership role in commercial credit risk and corporate banking with a leading international bank in Tokyo. As a Commercial Credit Risk Lead, you will oversee the end-to-end corporate lending lifecycle, helping the bank manage institutional credit exposure while delivering well-structured financing solutions to global corporate clients.
You will combine corporate credit analysis, commercial lending, loan structuring, risk management, and regulatory expertise to support complex financing decisions. Working closely with Relationship Managers, legal teams, and external stakeholders, you will serve as a key credit specialist and help maintain strong risk controls throughout the lending process.
Key Responsibilities
- Oversee the end-to-end commercial lending lifecycle for corporate and enterprise clients, ensuring appropriate credit and operational controls throughout the process.
- Conduct detailed financial and corporate credit analysis to assess borrower creditworthiness and develop appropriate lending structures.
- Negotiate financing terms and agreements in partnership with legal teams, Relationship Managers, and external stakeholders.
- Act as a subject matter expert on corporate lending and debt products, advising Relationship Managers on complex credit and financing matters.
- Monitor and manage relevant risk and performance indicators (KPIs) to protect the bank's capital and maintain appropriate credit standards.
- Support a highly regulated lending environment by ensuring financing activities align with applicable governance and risk management requirements.
Required Skills and Qualifications
Experience:
- Approximately 5-8 years of experience in corporate credit analysis, commercial credit risk, corporate lending, or related banking functions.
- Strong track record of assessing corporate borrowers, including financial analysis and evaluation of debt repayment capacity.
- In-depth knowledge of commercial lending products, corporate financing, credit risk management, and regulatory governance.
- Experience supporting or managing the end-to-end lending lifecycle, including credit assessment, loan structuring, documentation, and ongoing risk management.
- Experience partnering with Relationship Managers, legal teams, and other stakeholders on complex corporate financing transactions.
- Bachelor's degree in Finance, Accounting, Economics, Business, or another relevant discipline.
Soft Skills:
- Strong negotiation and stakeholder management capabilities for working with clients, legal teams, Relationship Managers, and senior decision-makers.
- Ability to communicate complex credit and financing considerations clearly and influence executive-level decisions.
- Strong analytical judgement with the ability to balance commercial objectives against appropriate credit risk controls.
- Ability to work autonomously while collaborating effectively across complex, international banking organisations.
Language Requirements:
- Japanese: Native-level proficiency.
- English: Fluent proficiency for communication with global stakeholders and within an international banking environment.
Preferred Skills & Qualifications
- Experience within corporate banking, wholesale banking, commercial lending, or institutional banking at an international financial institution.
- Strong knowledge of end-to-end corporate lending processes and modern credit operating models.
- Experience contributing to process improvement, digitalisation, or technology enhancements within credit or lending operations.
- Experience managing sophisticated financing requirements for large corporate or institutional clients.
- Understanding of capital protection, credit portfolio management, and risk performance frameworks.
About the Company
Our client is a leading international bank with sophisticated corporate and institutional banking capabilities. Its corporate banking division provides financing solutions to major clients while operating within rigorous global risk management and regulatory frameworks.
The organisation combines international banking expertise with a strong focus on modernising its operations and enhancing the use of technology across financial workflows. This provides an opportunity to develop your career within a global banking environment while working on complex corporate lending and credit risk matters.
Why You'll Love Working Here
- Competitive compensation of ¥14M-¥17M.
- Take ownership of an end-to-end corporate lending and credit risk framework within an international bank.
- Work directly with high-profile corporate and institutional stakeholders on sophisticated financing requirements.
- Contribute to technology and process transformation across credit and lending workflows.
- Benefit from remote and work-from-home options and minimal overtime.
- Flexible working culture with casual clothing and side-business options, subject to applicable company policies.
- Build deeper expertise across corporate banking, commercial lending, credit risk, and loan structuring in a global financial environment.
Don't Miss Out - Apply Now!
