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The Credit Risk Officer at Sumitomo Mitsui Trust Bank, Limited is responsible for evaluating the creditworthiness of borrowers and credit facilities, conducting independent loan reviews, and providing objective assessments of financial risks. This role requires a deep understanding of credit risk policies and regulatory expectations, as well as the ability to analyze financial statements and external data. The position involves operational execution and may include managing subordinate staff, contributing to the effectiveness of credit risk analysis processes, and performing ad hoc risk analyses as needed by management.