Credit Review Examiner, Assistant Vice President
Credit Review Examiner, Assistant 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.
The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. A member of our recruitment team will provide more details.Job Summary:
Were searching for a Credit Examiner to provide a comprehensive assessment of enterprise-wide risk management practices. You will evaluate monitor and report on the quality of risk assets and effectiveness of the Banks processes to control credit trading and associated concentration risks of a complex nature. In addition you will give prompt feedback to Bank management on the results of monitoring and examination activities. This role is assigned complex portfolios and higher risk issues.
Major Responsibilities:
Monitor risk asset portfolios to identify deterioration or negative management control trends and review compliance with policies guidelines and regulations.
Prepare periodic Risk Profile & Monitoring Plans to outline key risk factors and allocate appropriate resources.
Analyze individual credits and/or credit relationships for quality adherence to approval conditions the accuracy of risk grading and adequacy and accuracy of documentation.
Identify and evaluate the effectiveness of credit risk process controls. Analyze credit files financial documents projections and research industry trends to identify risk potential within portfolios.
Evaluate MIS data and identify adverse trends of leading and lagging performance indicators.
Serve as Examiner-In-Charge (EIC) for complex portfolios or processes. As EIC effectively plan coordinate and oversee all aspects of on-site activities.
Focus on quality control of transactional reviews and other work performed by the examination team.
Prepare timely concise reports of examination ratings and significant issues. Follow up for the satisfactory completion of outstanding issues raised by internal and external examiners.
Provide technical guidance to units on credit policies and control procedures.
Write concise and informative reports following CEA report standards and guidelines for senior management to support REM results.
Clearly communicate sensitive issues at the highest level of bank management.
Provide leadership training and guidance to other examiners.
Qualifications:
10 years work experience plus significant lending/examination experience
Expertise in commercial real estate and commercial lending examination.
Broad knowledge of Oil & Gas Project Finance Power & Utilities Asset Based Lending Leasing and Structured Finance throughout the U.S. Canada Latin America and Asia.
Knowledge of industry credit processes lending policies and current financial environments.
Experience in credit-related fields including knowledge of appropriate risk management techniques
Strong understanding of credit processes and systematic controls
Understanding of examination techniques including control procedures examination principles and theory
Credit/financial statement analysis skills and an understanding of business and financial markets
Knowledge of corporate finance concepts and theories
Ability to analyze portfolio trends at a macro level identifying signs of changing risk levels and/or symptoms of process control breakdowns
Strong leadership and communication skills both oral and written
Bachelors degree and / or Masters in Business or related field
The typical base pay range for this role is between $93K - $118K depending on job-related knowledge skills experience and location. This role may also be eligible for certain discretionary performance-based bonus and/or incentive compensation. Additionally our Total Rewards program provides colleagues with a competitive benefits package (in accordance with the eligibility requirements and respective terms of each) that includes comprehensive health and wellness benefits retirement plans educational assistance and training programs income replacement for qualified employees with disabilities paid maternity and parental bonding leave and paid vacation sick days and holidays. For more information on our Total Rewards package please click the link below.
We will consider for employment all qualified applicants including those with criminal histories in a manner consistent with the requirements of applicable state and local laws (including (i) the San Francisco Fair Chance Ordinance (ii) the City of Los Angeles Fair Chance Initiative for Hiring Ordinance (iii) the Los Angeles County Fair Chance Ordinance and (iv) the California Fair Chance Act) to the extent that (a) an applicant is not subject to a statutory disqualification pursuant to Section 3(a)(39) of the Securities and Exchange Act of 1934 or Section 8a(2) or 8a(3) of the Commodity Exchange Act and (b) they do not conflict with the background screening requirements of the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA). The major responsibilities listed above are the material job duties of this role for which the Company reasonably believes that criminal history may have a direct adverse and negative relationship potentially resulting in the withdrawal of conditional offer of employment if any.The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.We are proud to be an Equal Opportunity Employer and committed to leveraging the diverse backgrounds perspectives and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate on the basis of race color national origin religion gender expression gender identity sex age ancestry marital status protected veteran and military status disability medical condition sexual orientation genetic information or any other status of an individual or that individuals associates or relatives that is protected under applicable federal state or local law.Required Experience:
Chief
Employment Type
Full-Time
