Lending Section Chief (Bank)
かしつけかちょう
Industry & Occupation
Classification
- Major : Managerial Occupations
- Middle : Corporate and Organizational Managers
- Minor : Corporate Managers
Summary
A managerial position in a bank's lending department responsible for formulating lending policies, making credit decisions, managing credit risks, and supervising and guiding subordinates.
Description
The Lending Section Chief (Bank) is a managerial role within the bank that oversees lending cases for corporations and individuals, makes final judgments on credit screenings, and formulates lending policies. Based on the analysis of financial statements and market trends, they evaluate credit risks, determine contract terms, and set collateral requirements. They also provide guidance and training to subordinate lending officers and maintain the soundness of the lending portfolio. Collaborating with risk management, legal, and compliance departments is an important role to ensure compliance with laws and internal regulations.
Future Outlook
Due to the low interest rate environment and strengthened regulations, credit operations are advancing in sophistication and digitalization. Expertise in AI and big data utilization, as well as debt collection strategies, will be required.
Personality Traits
Cautious and Attentive / Has Leadership / Persuasive / Strong Sense of Responsibility
Work Style
Business Trips / Counter Services / Flexitime / Office Work / Team Management
Career Path
Lending Officer → Assistant Section Chief → Lending Section Chief → Deputy Branch Manager → Branch Manager → Head Office Lending Director
Required Skills
Compliance / Contract Drafting / Credit Screening / Financial Statement Analysis / Risk Assessment / Subordinate Development
Recommended Skills
Data Analysis (BI Tools) / English Proficiency (International Transactions) / Financial Planning / IT Literacy (Lending Systems)
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Analytical & Logical Thinking | To analyze financial statements and numerical data and make credit judgments. |
| Attention to Detail & Accuracy | Accuracy is required for contracts and collateral settings. |
| Communication Skills | Smooth coordination and negotiation with customers and subordinates are necessary. |
| Initiative & Leadership | To proactively engage in section operations and the development of new lending products. |
| Numerical & Quantitative Analysis | Necessary for financial analysis and utilizing risk quantification models. |
| Planning & Organization | Necessary for department operations and the formulation and execution of lending plans. |
| Problem Solving | Necessary for responding to complex debt issues and considering risk reduction measures. |
| Stress Tolerance | Necessary to withstand the pressure of handling large amounts of money. |
Aptitudes (Weaknesses Acceptable)
| Item | Description |
|---|---|
| Physical Stamina & Endurance | Mainly desk work with low physical demands. |
Related Qualifications
- Banking Operations Certification (Lending)
- Financial Planning Skills Test
- Real Estate Transaction Agent
Aliases
- Lending Section Chief
- Loan Manager
Related Jobs
- Branch Manager
- Credit Review Director
- Deputy Branch Manager
- Lending Officer
- Risk Management Officer