Lending Officer salary in Japan

Average Yearly Salary of Lending Officer in Japan is approximately 7,643,984 JPY (49,690 USD). Data is for 2025 and indicates a pre-tax value. The salary itself depends on multiple factors such as seniority, job performance, certifications, experience or any other bonuses. The value indicated is an average amount based on records we have in database. Real values may vary. The data is for orientational purposes.

What does Lending Officer do?

A lending officer is a financial professional who works in banks, credit unions, or other financial institutions. Their primary responsibility is to evaluate loan applications and determine the creditworthiness of borrowers. Lending officers assess the financial background of applicants, including their income, employment history, credit score, and debt-to-income ratio. They analyze this information to decide whether to approve or deny loan requests, and if approved, they determine the loan amount, interest rate, and repayment terms. Lending officers also guide clients through the loan application process, explaining the various options available and helping them choose the most suitable loan product. Additionally, they may assist with refinancing existing loans or restructuring payment plans. Strong analytical skills, attention to detail, and knowledge of lending regulations are essential for this role.

Skills: Lending officer, Credit analysis, Loan evaluation, Financial institution, Loan processing, Creditworthiness
Job industry: Banking

How much does Lending Officer make?

Difference in salary year over year or average salary increase is approximately 3 %


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Salary comparison to National average

Is Lending Officer a well paid job?

Yes, our data shows that Lending Officer is a well paid job. With years and experience the salary might increase even further, resulting in higher satisfaction.

What is considered a high salary for Lending Officer?

High salary for Lending Officer would be somewhere between 8,408,382 JPY and 11,083,777 JPY. However this is an estimation based on Gaussian Distribution.

How much can you save working as Lending Officer in Japan?

Living in Japan the approximate monthly expenses are: 1,698 USD. This amount covers basic needs such as food, housing, clothing, healthcare and education costs for a single person. No luxury expenses such as traveling, leisure, hobbies are included in the estimation.

Estimated Yearly Salary: 7,643,984 JPY
Estimated Monthly Salary: 636,999 JPY
Estimated Weekly Salary: 147,000 JPY per week
Estimated Hourly Salary: 3,675 JPY per hour
By working as Lending Officer a person can save up to 2,443 USD per month or 29,319 USD yearly. Values are pre-tax.

NOTE: These values are estimates and are averaged for the whole country. Furthermore the value is likely exaggerated as no other expenses are taken into account in the projection. Unessential expenses are very subjective and are difficult to assess. Most likely the previously estimated number is significantly lower for majority of people. Expenses in different cities across the country may vary. Above values accuracy is low and is based on limited set of data obtained.

For more information regarding expenses in Japan, see costs of living in Japan.

Salary comparison to region and neighbouring coutries

Country's neighbours are: China, South Korea, North Korea, Russia.
To make it easier for comparison a conversion from local currency to USD has been made (conversion rates may vary).

Estimated Yearly Salary for Lending Officer

Last revision of data: 2025-01-04

Salary increase per years of experience

Based on data available the salary increase per years of experience is as following

0 years (beginner) equals base salary

1 to 5 years of experience yields +12% salary increase

6 to 10 years of experience yields +25% salary increase

11 to 15 years of experience yields +16% salary increase

16 to 25 years of experience yields +9% salary increase

more than 25 years of experience yields +10% salary increase

NOTE: Details based on limited set of data. Percentages may vary. The salary increase over years of experience can vary widely based on factors such as job industry, job role, location, company size, and individual performance. To gain even larger increase in salary one is advised to switch jobs and / or employer.

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Data as of 2025

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