BizTek People
Portfolio Management
Perform due diligence and regularly scheduled credit reviews.
Analyze credit risk of the designated portfolio, determine accurate ratings and make recommendations of accurate and timely ratings to management; Designated customers for associates and above will be more complicated ones than those assigned to junior portfolio managers (i.e. analyst), such as lower graded customers, customers with large credit exposure, customers with structured finance transactions, and customers with complex corporate structure. ( Associate
)
Prepare detailed credit analysis and credit applications in accordance with Bank’s credit policies and procedures, including evaluation of loan purpose and structure, repayment sources, corporate, regulatory and industry risk, liquidity, asset protection, historical and projected operating performance and capital structure..
Function as a subject matter expert (SME) with regard to particular industries and industry subsectors.
Fully understand and be able to assess risk of standard bank products including loans, standby letter of credit, trade finance, foreign exchange, derivatives, and securitization.
Interview the borrower’s senior management to assess their business/financial risks/challenges.
Coordinate and communicate critical account information to various related parties throughout the bank.
Oversee covenants compliance, facility due date, condition/instruction/report required, and call memos.
Maintain direct communication with assigned customers, if needed by RM (relationship manager).
Responsible for coordinating and communicating account information to external regulators, OCC, FRB, JFSA, BOJ, and SNIC.
Perform other risk related functions as needed.
Deal Support
Work with business lines/product groups to identify prospective transactions.
Identify structural risks and mitigants in prospective transactions and recommend/enhance structuring of deals and covenant in line with policies and procedures. ( Associate
)
Advise account officers on credit risk issues, terms and conditions to craft the best possible deal with a goal of improving profit and minimizing credit cost. ( Associate
)
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 Policy (ACP), Americas Credit-Related Procedures (ACRP), Credit Rules, Procedures for Credit Ratings, JCB Operating Manual, and any other applicable pronouncements.
Support Dept. Manager and Team Leaders in credit risk management process
.
Support junior analysts on OJT basis as assigned by Manager or Team Leader. ( Associate
)
Study, develop and improve analytical skills of the team through close communication with related divisions, such as Americas Credit Review (ACR), Corporate Banking Credit (CDA), Credit Policy Office and other Credit Divisions with support from Team Leader or Manager.
Study, development and improvement of credit risk management procedures applicable to JCB in collaboration with related divisions. ( Associate
)
Maintain and monitor compliance reporting requirements.
Requirements Ability to multi-task and work under high stress (when required) and time-sensitive work environment
Strong time management, organization and administrative skills and ability to manage multiple projects
Strong attention to details for accuracy and integrity
MS Office including Outlook, Word, Excel and PowerPoint.
Good knowledge in finance, accounting, legal, regulations for commercial banking products
Bachelor degree in accounting or finance.
MBA/ CFA preferred
3-8 years working experience in large financial institutions
Previous industry experiences
Japanese language skills
Benefits Comprehensive health and wellness benefits, retirement plans, educational assistance and training programs, a paid maternity and parental bonding leave, and paid vacation, sick days, and holidays.
#J-18808-Ljbffr
Perform due diligence and regularly scheduled credit reviews.
Analyze credit risk of the designated portfolio, determine accurate ratings and make recommendations of accurate and timely ratings to management; Designated customers for associates and above will be more complicated ones than those assigned to junior portfolio managers (i.e. analyst), such as lower graded customers, customers with large credit exposure, customers with structured finance transactions, and customers with complex corporate structure. ( Associate
)
Prepare detailed credit analysis and credit applications in accordance with Bank’s credit policies and procedures, including evaluation of loan purpose and structure, repayment sources, corporate, regulatory and industry risk, liquidity, asset protection, historical and projected operating performance and capital structure..
Function as a subject matter expert (SME) with regard to particular industries and industry subsectors.
Fully understand and be able to assess risk of standard bank products including loans, standby letter of credit, trade finance, foreign exchange, derivatives, and securitization.
Interview the borrower’s senior management to assess their business/financial risks/challenges.
Coordinate and communicate critical account information to various related parties throughout the bank.
Oversee covenants compliance, facility due date, condition/instruction/report required, and call memos.
Maintain direct communication with assigned customers, if needed by RM (relationship manager).
Responsible for coordinating and communicating account information to external regulators, OCC, FRB, JFSA, BOJ, and SNIC.
Perform other risk related functions as needed.
Deal Support
Work with business lines/product groups to identify prospective transactions.
Identify structural risks and mitigants in prospective transactions and recommend/enhance structuring of deals and covenant in line with policies and procedures. ( Associate
)
Advise account officers on credit risk issues, terms and conditions to craft the best possible deal with a goal of improving profit and minimizing credit cost. ( Associate
)
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 Policy (ACP), Americas Credit-Related Procedures (ACRP), Credit Rules, Procedures for Credit Ratings, JCB Operating Manual, and any other applicable pronouncements.
Support Dept. Manager and Team Leaders in credit risk management process
.
Support junior analysts on OJT basis as assigned by Manager or Team Leader. ( Associate
)
Study, develop and improve analytical skills of the team through close communication with related divisions, such as Americas Credit Review (ACR), Corporate Banking Credit (CDA), Credit Policy Office and other Credit Divisions with support from Team Leader or Manager.
Study, development and improvement of credit risk management procedures applicable to JCB in collaboration with related divisions. ( Associate
)
Maintain and monitor compliance reporting requirements.
Requirements Ability to multi-task and work under high stress (when required) and time-sensitive work environment
Strong time management, organization and administrative skills and ability to manage multiple projects
Strong attention to details for accuracy and integrity
MS Office including Outlook, Word, Excel and PowerPoint.
Good knowledge in finance, accounting, legal, regulations for commercial banking products
Bachelor degree in accounting or finance.
MBA/ CFA preferred
3-8 years working experience in large financial institutions
Previous industry experiences
Japanese language skills
Benefits Comprehensive health and wellness benefits, retirement plans, educational assistance and training programs, a paid maternity and parental bonding leave, and paid vacation, sick days, and holidays.
#J-18808-Ljbffr