Credit Assessment Clerk
よしんしんさじむいん
Industry & Occupation
Classification
- Major : Clerical Occupations
- Middle : Sales and Marketing Clerical Occupations
- Minor : Other Sales and Marketing Clerical Occupations
Summary
A job handling clerical work at financial institutions, investigating customers' credit status and determining approval for loans or credit card issuances.
Description
Credit assessment clerks perform credit review tasks for individuals and corporations at banks, consumer finance companies, credit card companies, etc. They evaluate repayment ability based on credit history obtained from credit information agencies, customer-submitted income/expense documents, and financial statements, and decide on loans or credit limits according to the company's internal credit standards. They report screening results to credit officers or sales departments and play a role in maintaining the risk management framework. They also contribute to streamlining the screening process and improving credit models while strictly adhering to internal regulations and legal compliance.
Future Outlook
While digitization and AI adoption will advance the automation of screening processes, demand for personnel capable of handling complex cases and risk management is expected to remain stable.
Personality Traits
Cautious / Logical thinking / Strong sense of responsibility
Work Style
Career Path
Credit Assessment Clerk → Senior Credit Assessment Clerk → Risk Management Staff → Credit Analyst → Credit Department Manager
Required Skills
Credit Information Agency Usage / Excel (Advanced) / Financial Product Knowledge / Financial Statement Analysis / Understanding of Credit Assessment Standards
Recommended Skills
Data Analysis / Excel (Advanced) / Financial Regulations Knowledge / Presentation Skills
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Analytical & Logical Thinking | Because it involves analyzing financial information and assessing risks. |
| Attention to Detail & Accuracy | Because even a slight mistake can lead to erroneous risk judgments. |
| Numerical & Quantitative Analysis | Because it involves handling statistical data and financial figures. |
Aptitudes (Weaknesses Acceptable)
| Item | Description |
|---|---|
| Creativity & Ideation | Because routine screening tasks are the main focus rather than innovation. |
| Physical Stamina & Endurance | Because it mainly involves desk work and does not require much physical stamina. |
Related Qualifications
- Bookkeeping Level 2 (Nissho)
- Lending Business Supervisor
Aliases
- Credit Screening Clerk
Related Jobs
- Credit Analyst
- Credit Management Officer
- Loan Clerk