Credit Investigation Clerk
しんようちょうさじむいん
Industry & Occupation
Classification
- Major : Clerical Occupations
- Middle : Sales and Marketing Clerical Occupations
- Minor : Other Sales and Marketing Clerical Occupations
Summary
Clerical specialist who collects and analyzes credit information on companies and individuals, and creates reports for credit decisions and transaction approvals.
Description
Credit investigation clerks collect and analyze financial conditions, transaction histories, and public data of client companies and individuals to prepare materials for creditworthiness and credit limit judgments. They handle data processing using dedicated systems or Excel, creation of investigation reports, and provision of information to internal departments. Accuracy and confidentiality are emphasized, and knowledge of industry trends and legal regulations is required.
Future Outlook
Stable demand is expected due to strengthened corporate risk management. While efficiency improves with the introduction of AI automated analysis tools, advanced analytical and judgment skills will continue to be valued.
Personality Traits
Cautious / Curious or inquisitive / Logical thinking / Strong sense of responsibility
Work Style
Flex / Office work / Remote
Career Path
Credit Investigation Clerk → Credit Management Officer → Credit Analyst → Credit Risk Manager → Department Manager
Required Skills
Credit investigation system operation / Excel (Advanced) / Financial statement analysis / Information gathering
Recommended Skills
English document reading / IR materials analysis / Legal and regulatory knowledge / Presentation skills
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Analytical & Logical Thinking | The ability to logically evaluate and judge based on collected data is essential. |
| Attention to Detail & Accuracy | Because minor data errors can affect credit judgments. |
| Numerical & Quantitative Analysis | Because it centers on analysis and evaluation of numerical data such as financial statements. |
Aptitudes (Weaknesses Acceptable)
| Item | Description |
|---|---|
| Creativity & Ideation | Routine clerical tasks are the main focus, and high creativity is not required. |
| Physical Stamina & Endurance | Mainly desk work with low physical demands. |
Related Qualifications
- Financial Planner (FP)
- Nissho Bookkeeping Certification Level 2
Related Jobs
- Credit Information Analyst
- Credit Management Officer
- Loan Clerk