Credit Associate (Japanese Proficient)

Job Description

The Counterparty Credit Associate is part of our team of in-house credit professionals that works closely with the organization's Sales and Trading teams. The Counterparty Credit team is involved with the origination process for the trading business and is responsible for the credit analysis and recommendation of credit/derivative facilities, enabling the various trading businesses/desks to transact with counterparties. You will also be responsible for ad-hoc reporting and monitoring of the credit risk profile of clients that are users of a wide variety of capital market trading products including:

• Accountable for the prudent management of a designated portfolio of borrowing clients that are primarily Japanese institutional clients. Assigned Borrowers could include banks, pension /hedge /mutual funds, financial institutions, broker/dealers, and quasi-government/government entities.
• Primary focus is to assess and manage the credit risk of Borrowers that are active users of a variety of credit products, including:
  • Derivatives
  • Financing products
  • Money market
  • Direct credit lines
• Prepare and recommend high quality credit submissions for borrowers relating to new business proposals, interim and annual reviews
• Conduct appropriate market, industry and client credit analysis and clearly articulate recommendations on credit decisions and appropriate borrower risk ratings.
• Monitor ongoing performance of assigned borrowers including compliance with credit limits and conditions of credit authorization
• Identify potential problems requiring attention and recommend appropriate actions to manage the risks in any deteriorating situations on a timely basis.

*Job Requirements

• Proficient Japanese as frequent liaising with Japanese-speaking clients
• Solid understanding of capital markets and derivative products as well as the inherent market and credit risks gained through work experience in a similar role
• Strong financial analysis and risk assessment skills
• Strong verbal and written communication skills
• Familiarity with legal documentation including ISDAs, repurchase agreements and loan agreements would be an asset
• MBA degree and/or CFA designation would be an asset