Credit Risk Manager, Vice President
Credit Risk Manager, Vice President
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Job Description
Do you want your voice heard and your actions to count
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG) one of the worlds leading financial groups. Across the globe were 120000 colleagues striving to make a difference for every client organization and community we serve. We stand for our values building long-term relationships serving society and fostering shared and sustainable growth for a better world.
With a vision to be the worlds most trusted financial group its part of our culture to put people first listen to new and diverse ideas and collaborate toward greater innovation speed and agility. This means investing in talent technologies and tools that empower you to own your career.
Join MUFG where being inspired is expected and making a meaningful impact is rewarded.
Active portfolio management of designated customers
Responsible for the management of a portfolio as a credit officer
Perform due diligence and regularly scheduled reviews
Analyze credit risk of the designated portfolio determine accurate ratings and make recommendations of accurate and timely ratings to management
Prepare detailed credit analysis and credit applications in accordance with appropriate policies and procedures evaluating the borrowers industry/business/legal/financial risks and recommending extensions of credit to management
Collaborate productively with the business line to manage safety and soundness while developing the portfolio
Coordinate and communicate critical account information independently and directly to various related parties throughout the bank business line product groups and credit divisions
Maintain direct communication with assigned customers.
Deal Support
Work with business lines/product groups to identify prospective transactions
Identify structural risks and mitigants in prospective transactions and recommend/enhance structuring of deals and covenants in line with policies and procedures.
Advise account officers on credit risk issues/terms and conditions to create a best possible deal with a goal of maximizing profit and minimizing credit cost.
Directly and independently communicate with credit division and ensure it is provided with all related information/analysis pertinent to making a decision with little support from management.
Policy Compliance
Ensure compliance with external regulatory/internal policy and procedural requirements
Participate in ad-hoc policy meetings to enhance organization wide credit risk framework.
Support and mentor junior analysts in credit risk management process
Train and support junior analysts as assigned by MD or Team Leader.
Guide junior analysts in completing complex assignments.
Study develop and enhance analytical skills of the team through close communication.
Qualifications
6 years work experience at financial institutions or equivalent in credit and risk related function analyzing financial institutions or corporate customers.
Minimum of 3 years experience in analyzing financial institutions and conducting due diligence on such clients developing working relationships with customers senior management.
In depth knowledge of general corporate credit analysis credit and risk management
Ability to build complex financial modeling to assess the customers repayment ability.
In depth knowledge of loan documentation and structural risks in corporate finance.
Understanding regulatory environment both in Japan (FSA BOJ) and the U.S. (FRB FDIC).
Required Experience:
Chief
Employment Type
Full-Time
