Corporate Credit Investigator
きぎょうしんようちょうさいいん
Industry & Occupation
Classification
Summary
Corporate credit investigators investigate and analyze companies' financial information and business realities, providing objective credit risk assessments for credit and investment decisions.
Description
Corporate credit investigators, affiliated with banks, credit card companies, or research firms, specialize in assessing corporate credit risk. They quantitatively analyze financial statements, performance trends, and market conditions, while conducting interviews with executives, trading partners, and industry contacts, as well as on-site visits to verify business realities. They compile the gathered information with industry knowledge to create and report materials proposing credit limits, credit ratings, and financing terms. Investigation results are provided to the bank's review departments, sales departments, and internal risk management departments.
Future Outlook
With strengthening credit management at financial institutions and increasing importance of ESG evaluations, demand for corporate credit investigations is expected to remain stable. As credit risk assessment methods using AI and big data become more widespread, data analysis skills will be increasingly emphasized.
Personality Traits
Cautious and meticulous / Curious and inquisitive / Objective / Strong sense of responsibility
Work Style
Career Path
New Credit Investigator → Senior Credit Analyst → Team Leader/Manager → Risk Management Department Head → Credit Investigation Department Head
Required Skills
Financial Statement Analysis / Interviewing Skills / Market Research Analysis / Office Software / Reporting
Recommended Skills
CRM Tools / English Literature Reading / Information Search / Statistical Analysis
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Analytical & Logical Thinking | Because it requires integrated analysis of corporate financial statements and diverse information. |
| Attention to Detail & Accuracy | Because minor numerical errors or overlooked information can significantly impact credit judgments. |
| Numerical & Quantitative Analysis | Because high quantitative analytical skills are required for financial data analysis and risk assessment. |
Aptitudes (Weaknesses Acceptable)
| Item | Description |
|---|---|
| Creativity & Ideation | Because investigation methods and analysis frameworks are standardized, and originality is not the main purpose. |
| Physical Stamina & Endurance | Mainly desk work with low physical demands. |
Related Qualifications
- Certified Public Accountant
- Nissho Bookkeeping Certification Level 2 or above
- Securities Analyst (CMA)
Aliases
- Corporate Credit Analyst
- Credit Investigator
Related Jobs
- Credit Analyst
- Financial Analyst
- Rating Analyst
- Risk Manager