Loan Financing Clerk
かしつけゆうしかかりじむいん
Industry & Occupation
Classification
- Major : Clerical Occupations
- Middle : Sales and Marketing Clerical Occupations
- Minor : Other Sales and Marketing Clerical Occupations
Summary
A job in financial institutions such as banks and credit unions that handles clerical tasks from loan application reception to screening assistance and contract procedures.
Description
Loan Financing Clerks in banks and credit unions handle reception of loan applications from individuals and corporations, assist with credit investigations and credit screening, and create and manage contract documents. They support safe lending operations through interest rate calculations, repayment schedule creation, and risk management. In recent years, the introduction of electronic systems has advanced, making proficiency with digital tools and customer service skills increasingly important.
Future Outlook
With changes in loan demand due to aging population decline and advancements in fintech, digitization and automation will progress, but expertise will continue to be required for face-to-face interactions and complex loan case reviews.
Personality Traits
Emphasizes Accuracy / Has Cooperativeness / Strong Sense of Responsibility / Strong with Numbers
Work Style
Career Path
General Clerk → Loan Financing Clerk → Loan Screening Officer → Assistant Section Chief → Loan Department Manager
Required Skills
Document Creation and Management / Financial Product Knowledge / Office Software / Understanding of Loan Screening Criteria
Recommended Skills
Communication Skills / Credit Management / Financial Regulations Knowledge / Risk Management
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Attention to Detail & Accuracy | Because errors in contract documents can lead to risks for the financial institution. |
| Numerical & Quantitative Analysis | Due to the need for mathematical processing such as interest rate calculations and credit limit determinations. |
Aptitudes (Weaknesses Acceptable)
| Item | Description |
|---|---|
| Creativity & Ideation | Routine tasks predominate, and creative thinking is not particularly required. |
| Physical Stamina & Endurance | Mostly desk work with little physical strain. |
Related Qualifications
- Financial Operations Proficiency Test
- Housing Loan Advisor
- Nissho Bookkeeping Certification
Aliases
- Financing Clerk
- Loan Clerk
Related Jobs
- Bank Teller
- Credit Union Clerk
- Loan Advisor