Meet Andras Fujimoto, Commercial Credit Analyst at American Savings Bank
Introduce yourself with your degree information and tell us what you do now.
Aloha! My name is Andras Fujimoto, and I graduated from the Shilder College of Business with a degree in Finance. I’m currently a Commercial Credit Analyst at American Savings Bank, where I assess the financial health of businesses to determine their creditworthiness. I analyze financial statements to evaluate key metrics like profitability, liquidity, and solvency, to gain a better understanding of the company’s financial stability, industry conditions, and cash flow trends. I then provide recommendations to the bank on whether to approve or decline deals, along with suitable credit limits, terms, and interest rates, all aimed at managing risk while supporting business growth. I also monitor the financial status of borrowers over time, staying updated on industry and economic conditions to ensure any credit extended remains manageable and aligned with the risk profile.
What is your favorite part about your current role?
My favorite part and most rewarding aspect of my role is the opportunity to constantly learn and gain exposure to a diverse array of industries. This allows me to develop a comprehensive understanding of how businesses across different sectors operate, each with its unique challenges and strategies. By analyzing the financial health of companies from various industries and their economic environment, I not only enhance my technical skills but also broaden my knowledge base, which is essential in making well-informed, strategic decisions.
What advice would you give current business students preparing to enter the finance industry?
For business students preparing to enter the finance industry, my advice would be to focus on developing a strong foundation of both technical skills and industry knowledge. Start by understanding key financial practices, such as financial analysis, accounting, and valuation methods, as these are crucial in most finance roles. Additionally, stay informed about current market trends, economic conditions, and the broader financial landscape, as this context will help you understand the challenges and opportunities companies face.
Networking is also essential—build relationships with professors, industry professionals, and peers to expand your knowledge and career opportunities. Don’t be afraid to ask questions, seek mentorship, and get involved in internships or projects that give you hands-on experience. Take professionals out to lunch/coffee to hear their stories and learn more about each specific field. Finally, cultivate soft skills like communication, problem-solving, and adaptability. The finance industry is constantly evolving, and being able to think critically and work effectively with others will serve you well throughout your career.
What drew you to the Shidler College of Business and a major in Finance?
I was drawn to the Shidler College of Business because of its strong reputation for providing a comprehensive and globally oriented-business education. The college’s commitment to academic excellence, combined with its robust network of alumni and industry connections, made it an ideal place for me to build a solid foundation in business.
I decided to major in Finance because I’ve been fascinated by the way financial markets operate and how businesses use financial strategies to drive growth and sustainability. Finance offers a perfect blend of analytical problem-solving and strategic decision-making, which aligns with my interests and skills.
What was the biggest cultural lesson or eye-opening experience from your time abroad in the Mānoa International Exchange program?
It was truly eye-opening to witness how much France values and cares for its towns and cultural heritage. Everywhere I went, I noticed a deep sense of pride in local traditions, history, and architecture. From the well-preserved historical sites to the vibrant markets that showcased regional products, it was clear that preserving cultural identity was a priority. In many towns, there was a strong sense of community, with local events and festivals that celebrated their unique heritage. The attention to detail in maintaining public spaces and honoring traditions was remarkable, and it made me realize how important it is to nurture and protect the cultural fabric that shapes a place.
Furthermore, a significant cultural lesson I learned was the importance of work-life balance and how taking time to appreciate life's slower moments was prominent during my time there. In the U.S., we often rush through our days, focused on productivity and efficiency. But in France, I experienced a more relaxed approach to life—whether it was relaxing at a beach or park with a glass of wine, enjoying coffee at a café, or simply taking time to have meaningful conversations with friends and family. This focus on quality time and presence reminded me to value the little things, embrace slower rhythms, and truly connect with the people and experiences around me. It was a shift in perspective that stayed with me long after I left.
If you could go back and spend one day abroad as a student again, what would you do?
If I had the chance to return and spend another day abroad as a student, I would invite locals to join me for an afternoon of cooking and enjoying a bottle of wine together. With my passion for cooking, I would love the opportunity to learn how to prepare a traditional dish from someone who truly understands the region’s culinary heritage. Preparing the meal while engaging in meaningful conversation would allow me to connect with the culture in a more personal and immersive way. Being able to listen to the stories, traditions, and history the locals could share would be an authentic and impactful experience. It would be a day of genuine cultural exchange, full of great conversation and unforgettable memories.
As a recent graduate, what role do you think young alumni play in supporting UH students?
As a recent graduate, I believe young alumni play a crucial role in supporting UH students by sharing their experiences and providing mentorship. Many students benefit from hearing firsthand accounts of how to navigate their careers after graduation, as well as practical advice about life after school. Young alumni can also offer networking opportunities and internships that help students bridge the gap between academia and the professional world. By staying involved with the university, whether through events, guest speaking, or even informal gatherings, young alumni contribute to creating a supportive community that encourages growth and success for future generations of students.