Bilingual Credit Risk Associate Japanese Corporate Banking in Los Angeles, CA

Job Summary

Portfolio management for designated customers. Responsible for underwriting and portfolio management of Japanese Corporate loan portfolio clients. Focuses on subsidiary lending with complex relationships, non-investment grade clients, large credit exposure, structured finance transactions, and complex corporate structures.

• Perform due diligence and scheduled credit reviews, analyzing credit risk, determining accurate ratings, and making timely recommendations to management.
• Prepare detailed credit analysis and applications in line with credit policies and procedures.
• Manage deadlines and workload according to schedule, acting as subject‑matter expert for specific industries and subsectors.
• Assess risk of standard bank products (loans, standby letters of credit, trade finance, foreign exchange, derivatives, securitization, lease).
• Interview borrower senior management to evaluate business, financial, and legal risks.
• Maintain direct communication with customers and coordinate critical account information across parties.
• Oversee covenant compliance, facility due dates, conditions, and call memos.
• Support deal work: lead new moderate‑complexity deals, identify structural risks, recommend structuring, and advise account officers.
• Ensure compliance with external regulatory requirements (JFSA, BOJ, FRB, OCC, FDIC) and internal policies.
• Assist in credit risk management process, provide guidance to junior analysts, and maintain compliance reporting.

• 3–5 years in large financial institutions, credit and risk functions; experience with general corporate customers and credit recommendations.
• Bachelor’s degree in accounting, finance, or related field; MBA/CFA preferred.
• Strong time‑management, organizational, and detail‑orientation skills; ability to work under high‑stress, time‑sensitive environments.
• Proficiency in MS Office (Outlook, Word, Excel, PowerPoint). Knowledge of banking applications is a plus.
• Sound knowledge of finance, accounting, legal, and regulations for commercial banking products.
• Japanese language skills.
• Demonstrated innovative and strategic thinking.

Base pay $90K–$129K, potential performance bonus or incentive compensation, and a comprehensive Total Rewards program including health and wellness benefits, retirement plans, educational assistance, training programs, income replacement for qualified employees with disabilities, paid maternity and parental bonding leave, paid vacation, sick days, and holidays.

We are proud to be an Equal Opportunity Employer and commit to creating opportunities for all qualified applicants. We do not discriminate on the basis of race, color, national origin, religion, gender expression or identity, sex, age, ancestry, marital status, protected veteran or military status, disability, medical condition, sexual orientation, genetic information, or any other status protected under applicable federal, state, or local law.

We consider all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws and with no conflict with background screening requirements.