dkrc Chapter 57 Risk Review Completed
Chapter 57 Risk Review Completed
Nine o'clock sharp.
The first version of the discrepancy list is complete.
9:20.
The "Estimated Debt Gap for Rokko Golf Development" has been completed.
10:05.
The "Pathway Map for Miyazawa Tourism Development to Support the Rokko Project" has been completed.
10:40.
The "List of Risks and Potential Illegal Supplementary Signing Items for Power of Attorney" has been completed.
11 o'clock.
All three of them were clearly showing signs of fatigue.
Yayoi Mina's hand, which was holding the pen, began to ache, and her shoulders were stiff, but she still kept checking the timeline and meeting minutes page by page.
Arima Kishou took off his glasses, pressed them against the bridge of his nose, then put them back on, continuing to compare the board's authority and guarantee boundaries.
Kenta Sasaki had come back from countless trips outside, his tie was loose and his hair was disheveled, but he was still throwing documents onto the table.
"Got it... Got this one too... The head of the debt management department still made me copy half a page in the end..."
Kiryu Yaya remained seated in the center throughout.
Like a pivot.
It's also like a blade.
He pieced together, sorted, compressed, and corrected the results submitted by the three people, and finally turned them into a set that could actually be placed on the branch manager's desk.
Compared to the exhaustion of the three people, he was not tired at all; on the contrary, he felt more and more energetic as he worked.
Because he went to the restroom halfway through and drank a bottle of Red Bull.
Red Bull is powerful.
One bottle refreshes the mind, two bottles keep you from getting tired, and three bottles grant you immortality.
Having completed her task, Chihaya Yuri, who was guarding outside the door, noticed Kiryu Yaya's mental state and couldn't help but wonder.
Is this guy really human?
11:20.
It was already late at night, but the Daban branch was still brightly lit.
At this point, the first complete version of the temporary team's work was finally completed.
The cover had a few lines of text:
Emergency Risk Review of the Miyazawa Group - First Edition
subtitle:
Analysis of Financial Anomalies in Rokko Golf Development and Miyazawa Tourism Development and Their Impact on Related Claims of Our Bank
It has five parts in total:
First, the table of discrepancies between the two ledgers.
Secondly, the estimated debt gap of Liujia.
Third, a diagram showing the funding pathways and funding gaps in the development of tourism in Miyazawa.
Fourth, the legal and procedural risks associated with the letter of appointment and related authorizations.
Fifth, the risk impact on the existing 8 billion yen related claims of Mitsubishi Bank Osaka Branch and emergency response recommendations.
Yayoi Mizuna put down the last page of the bound document, practically slumped onto the table, and whispered:
"It's done...it's finished..."
Arima Kishou leaned back in his chair, took off his glasses, and said in a low voice:
"Finally."
Kenta Sasaki sat on the floor, leaning against the wall, his face blank.
"I feel like my soul has already clocked out early..."
Kiryu Yaya took the thick document and let out a soft breath.
Chihaya Yuri stood next to him, finished reading the last page, and reached out to press her hand on the cover.
"You can hand it in now."
she says.
Kiryu Yaya nodded.
"Um."
……
11:30.
Fifth floor.
The light in the branch manager's office, Takahiro Matsumoto, was still on.
The people in the secretary's office were already so sleepy that their eyelids were heavy, but no one dared to leave.
When Kiryu Yaya, Chihaya Yuri, and Yamada Masakazu stood at the office door, Matsumoto Takahiro was sitting behind his desk with several summaries that had been delivered over the night in his hands.
But those were just fragments.
The truly complete first version is only now arriving.
Knock on the door.
Masakazu Yamada led the two inside and handed over the documents with both hands.
"Branch Manager".
"The first draft of the emergency risk review for the Miyazawa Group has been completed."
Takahiro Matsumoto looked up.
His gaze first fell on Kiryu Yaya's bloodshot but still clear eyes, then on the cover of the thick document.
He didn't speak immediately.
He simply reached out and took it.
Matsumoto Takahiro did not speak immediately.
He simply placed the thick document, "Emergency Risk Review of the Miyazawa Group - First Edition," in the center of the table, then put on his glasses and began to flip through it page by page.
The office was quiet.
It was so quiet that only the sound of turning pages could be heard.
Masakazu Yamada, Yuri Chihaya, and Yaya Kiryu stood in front of the table, none of them urging or offering any explanation.
Matsumoto Takahiro read very slowly.
First look at the table of contents, then the difference table, and then the estimate of the actual debt gap for Rokko Golf Development.
He tapped his finger lightly twice on the paper.
After nearly five minutes, he finally raised his head.
Who was the lead author of this document?
Instead of answering, Yamada Masakazu turned to look at Kiryu Yaya.
"The main framework, the consistency of differences, and the risk assessment were all done by Kiryu."
"Mina Yayoi was in charge of the timeline and evidence filing, Kishou Arima was in charge of authorization and legal boundaries, Kenta Sasaki was in charge of ledgers, credit, and internal data retrieval. Section Chief Chihaya did the overall review."
Matsumoto Takahiro's gaze fell on Kiryu Yaya, and he slowly took off his glasses and placed them on the table.
"Well written."
Just four words.
But when it comes from someone like Takahiro Matsumoto, it carries more weight than a long compliment from an ordinary person.
He flipped the document back to the first page and lightly traced a line on the paper with his fingertip.
"The structure is clear, the chain of evidence is complete, and the logic is well-connected."
"Most importantly, you did not stop at the basic judgment that 'the accounts of Rokko Golf Development Company are problematic,' but went further to see how it transmitted the risk to our bank’s 8 billion yen debt through Miyazawa Tourism Development."
"This is a very mature banking mindset."
Masakazu Yamada straightened his back slightly.
Chihaya Yuri stood to the side, her expression still aloof, but a hint of approval clearly flashed in her eyes.
Takahiro Matsumoto continued:
"To be honest, this first draft wouldn't look too bad even if it were sent directly to the head office's review department."
When Yamada Masakazu heard this, his eyes lit up.
Head Office Review Department.
That was the line of sight from the Tokyo headquarters.
The fact that Matsumoto Takahiro described the Osaka branch's report as "not bad even if sent to the main store" is more than just ordinary praise.
But Takahiro Matsumoto did not stop.
He turned his gaze back to Kiryu Yaya, his voice steady:
"Kiryu-kun."
"Yes."
"I remembered your name when I was with Fuji Metals."
"When Shiraishi was working on the cold machine, I thought you had the qualities for a major case."
"And what happened tonight—"
Matsumoto Takahiro looked at him and said, word by word:
"That confirmed something for me."
"You are truly qualified to be a censor."
There was a moment of silence in the office.
For a newcomer who has been in the industry for less than a month, this is already an almost exceptional evaluation.
Kiryu Yaya lowered his head.
"Thank you, branch manager."
Matsumoto Takahiro nodded slightly, then his tone changed, becoming sharp and clear again.
"Okay, that's enough praise."
"Next, I will give instructions."
He held up one finger.
"First."
"From this moment on, these two ledgers will be sealed as evidence of significant risk. The originals will be signed for by both the General Affairs Department and the on-duty security guard, and locked in the branch manager's safe. Three copies will be made, one for the Financing Department, one for the Debt Management Department, and one for myself."
"No one may handle the original document without my permission."
"Yes."
Masakazu Yamada immediately agreed.
Takahiro Matsumoto extended his second finger.
"second."
"All new credit lines, loan extensions, additional guarantees, changes to seal authorization, and changes to account authorization for the Miyazawa Group and its related entities will be frozen at our bank."
"Freezing is not a rejection, it's a suspension."
"Pause until I confirm the actual situation."
He looked at Masakazu Yamada and Yuri Chihaya.
"Starting today, anyone who dares to allow passage without authorization will have to write their own resignation letter."
"clear."
Chihaya Yuri looked solemn.
The third finger is raised.
"third."
"At 11:50 PM tonight, an urgent fax summary will be sent from the Osaka branch to the Tokyo headquarters' review department, legal department, and risk control office. The main text will be a condensed and rewritten version of your first draft, and I will personally sign it."
Upon hearing this, Kiryu Yaya was startled.
This step signifies that Takahiro Matsumoto intends to report to headquarters.
But thinking about it, it makes sense. Eight billion in risky debt is a considerable amount, and it should theoretically be reported to higher authorities.
Such a big case might require headquarters to send an executive officer down to oversee and resolve it.