Loan Investigation Clerk
かしつけちょうさがかりじむいん
Industry & Occupation
Classification
- Major : Clerical Occupations
- Middle : Sales and Marketing Clerical Occupations
- Minor : Other Sales and Marketing Clerical Occupations
Summary
Clerical position in financial institutions, etc., conducting credit investigations and document reviews for loan applicants, collecting and analyzing information necessary for loan decisions.
Description
Loan Investigation Clerks, in banks, credit unions, credit sales companies, etc., conduct credit investigations for loan applications from individuals and corporations. They collect and verify submitted application forms, financial statements, data from credit information agencies, etc., and analyze repayment ability and credit risk. Based on the review results, they consider repayment conditions, interest rates, collateral requirements, etc., and prepare review reports. They collaborate with sales staff and other departments to ensure regulatory compliance while efficiently advancing review operations.
Future Outlook
Credit review operations in financial institutions have stable demand, and while routine tasks are being streamlined by AI and automation tools, demand for personnel with advanced analytical skills and interpersonal adjustment abilities is expected to remain high.
Personality Traits
Cautious / Good at logical thinking / Honest / Strong sense of responsibility
Work Style
Full-time / Office work / Overtime possible / Remote possible
Career Path
Loan Investigation Section → Review Leader/Supervisor → Credit Management Officer → Risk Management Department → Branch Manager
Required Skills
Business System Operation / Credit Information Analysis / Excel (Advanced) / Financial Statements
Recommended Skills
Accounting Software Operation / English Document Reading / Financial Product Knowledge / Regulatory Compliance Knowledge
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Analytical & Logical Thinking | Because it involves analyzing financial and credit information to evaluate risks. |
| Attention to Detail & Accuracy | Because errors or oversights in documents can lead to significant risks. |
| Numerical & Quantitative Analysis | Because mathematical analysis forms the basis of the work. |
| Stress Tolerance | Because there can be pressure from customer interactions or superiors. |
Aptitudes (Weaknesses Acceptable)
| Item | Description |
|---|---|
| Creativity & Ideation | Because it mainly involves routine tasks that do not require much creativity. |
| Physical Stamina & Endurance | Because it mainly involves desk work with low physical demands. |
Related Qualifications
- FP Skills Test Level 3 or higher
- Nissho Bookkeeping Certification Level 2 or higher
Aliases
- Loan Appraisal Clerk
- Loan Review Clerk
Related Jobs
- Bank Teller
- Credit Analyst
- Credit Card Reviewer
- Credit Sales Clerk