Peernovo
Finance and insurance sales workers

How to become a Bank Account Officer

Also called: Bank relationship officer, Shinkin bank account officer, Credit cooperative account officer

Visits businesses, sole traders and individual customers in a bank or shinkin bank branch's area to provide personalised financial services.

Main tasks

Workers in this job say university is common. From job tag's survey of people in each job, who could give several answers. It shows what workers see as common, not how many workers hold each level.

How to become one

No particular education or qualification is required for this job, but most people are university graduates. After finishing their studies they join a bank or shinkin bank and usually gain experience in other departments before being given this role. With the rapid growth in foreign-owned customers and overseas subsidiaries, language skills are increasingly needed. Being able to speak and read English, and other languages such as Chinese, is an advantage when applying. As the work of account officers becomes more varied and complex, qualifications are becoming more important. More and more financial institutions offer training and support to gain qualifications such as bookkeeping, the banking business test, life and general insurance agent, securities sales representative, labour and social security attorney, real estate transaction agent, financial planning skills and small and medium enterprise management consultant. As well as qualifications and specialist knowledge, you are expected to understand the social and economic situation of your area and the trends in each industry in detail, and to build trust by working closely with local business owners and their finance and accounting staff. Account officers often see confidential company information and customers' family circumstances, so high ethical standards on compliance, information management and confidentiality are needed.

Ways in

Pay · Job openings · AI and this job

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Questions people ask

How do I become a Bank Account Officer?

No particular education or qualification is required for this job, but most people are university graduates. After finishing their studies they join a bank or shinkin bank and usually gain experience in other departments before being given this role. With the rapid growth in foreign-owned customers and overseas subsidiaries, language skills are increasingly needed. Being able to speak and read English, and other languages such as Chinese, is an advantage when applying. As the work of account officers becomes more varied and complex, qualifications are becoming more important. More and more financial institutions offer training and support to gain qualifications such as bookkeeping, the banking business test, life and general insurance agent, securities sales representative, labour and social security attorney, real estate transaction agent, financial planning skills and small and medium enterprise management consultant. As well as qualifications and specialist knowledge, you are expected to understand the social and economic situation of your area and the trends in each industry in detail, and to build trust by working closely with local business owners and their finance and accounting staff. Account officers often see confidential company information and customers' family circumstances, so high ethical standards on compliance, information management and confidentiality are needed.

How much does a Bank Account Officer earn in Japan?

Average annual income in the private sector, bonus included, is ¥6,744,200 (Ministry of Health, Labour and Welfare).

Do you need a degree to become a Bank Account Officer?

Not always. In this job's census occupation group, 53% of workers are university graduates. Ways in include: National trade skills test (技能検定).

Will AI change the work of a Bank Account Officer?

Generative AI could change many tasks in this job, which usually reshapes the work more than it replaces it, by the ILO's global estimate.

Sources

独立行政法人労働政策研究・研修機構（JILPT）作成 職業情報データベース 解説系ダウンロードデータ（IPD_DL_description_7_01.xlsx）ver.7.01 職業情報提供サイト（job tag）より2026年10月4日にダウンロード（https://shigoto.mhlw.go.jp/User/download）を加工して作成

独立行政法人労働政策研究・研修機構（JILPT）作成 職業情報データベース 簡易版数値系ダウンロードデータ（IPD_DL_numeric_7_00.xlsx）ver.7.00 職業情報提供サイト（job tag）より2026年10月4日にダウンロード（https://shigoto.mhlw.go.jp/User/download）を加工して作成

Sources: JILPT Occupational Information Database download data via job tag (解説系 ver.7.01 and 簡易版数値系 ver.7.00, downloaded 4 October 2026), processed by Peernovo; MHLW, Basic Survey on Wage Structure 2025; Statistics Bureau of Japan, 2020 Population Census; MEXT, School Basic Survey 2025; MHLW, Employment Referrals for General Workers (Hello Work statistics). Figures processed by Peernovo. English job names, translations and the matching of jobs to statistical groups, schools and degree fields by Peernovo.

Updated 4 October 2026