Back to search results

Associate, Credit Officer, Wholesale Credit Japan

Tokyo, , Japan

Job Description:


  • Be an active member of deal teams and engage proactively with relationship and product partners
  • Analyze clients’ businesses, their financial statements and due diligence materials
  • Prepare insightful credit papers for new requests and ongoing portfolio monitoring purposes
  • Perform ongoing monitoring of clients and information flow associated with the portfolio
  • Supervise and provide developmental oversight to Analysts
  • Identify and escalate emerging risks
  • Understand and apply internal policy, procedures and regulatory requirements
  • Review various legal documents for relevant credit products
  • Successful candidate must be able to communicate effectively in constructing arguments to support recommendations to senior officers.  
  • Credit Officers will also, on occasion, participate in client meetings.


  • Minimum 4 years of experience in banking and finance or related field
  • Sound commercial judgment and strong business acumen
  • Knowledge of credit products including loans, derivatives, trade finance, cash management
  • Ability to analyze financial statements, conduct due diligence and prepare credit proposals
  • Experience analyzing investment and sub-investment grade credit profiles and structures
  • Proactive - takes initiative and demonstrates ownership
  • Strong written and verbal communication skills in English
  • Capability to build relationship both within the bank and with clients
  • Demonstrates intellectual curiosity and is focused on continuous learning and skill building
  • Fluency in Japanese, as the role involves reading and analyzing Japanese-language financial statements, as well as daily interactions with Japanese-speaking colleagues and clients.
  • Ability to work independently, build internal relationships, and manage multiple prior

Learn more about this role

Full time


Manages People:


Talent Acquisition Contact:

Referral Bonus:

Check out the Tokyo office

We’re in the heart of Tokyo and the “center of Japan”, a stone’s throw from Nihonbashi Bridge, the Tokyo Stock Exchange and historic temples.

Close-up side shot of the words Bank of America Merrill Lynch on outside office wall

Street Address

Primary Location:
1-4-1 NIHONBASHI, CHUO-KU, Tokyo, 103-0027