Vice President â Credit Underwriting and Portfolio Management â Financial Institutions Group (FIG)
Vice President â Credit Underwriting and Portfolio Management â Financial Institutions Group (FIG)
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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.
Job Summary:
Were seeking a Vice President to join our growing Portfolio Management Group. You will focus on underwriting and portfolio management for clients in the Financial Institutions Group (FIG) for investment grade and non-investment grade public and privately owned corporate borrowers.
You will be responsible for active credit management of a designated portfolio utilizing solid credit and analytical skills providing continuous oversight of portfolio names monitoring for potential risk and regulatory rating changes and proactively identifying credit deterioration with the goal of maximizing net income and reducing credit costs.
Responsibilities:
Active portfolio management of designated clients:
Responsible for the management of a loan portfolio.
Perform due diligence and regularly scheduled reviews of assigned loan portfolio including covenants compliance.
Analyze credit risk of the designated portfolio determine accurate ratings and make recommendations of accurate and timely ratings to management.
Prepare detailed credit reviews and required credit applications according to policy including evaluation and analysis of financial condition of key contract parties regulatory and industry risks historical operating & financial performance and projected performance
Coordinate and communicate critical account information independently and directly to various related parties throughout the bank business line product groups and credit divisions.
Review loan documentation for newly assigned accounts in advance of closing to make sure that the timeframe for funding notices is acceptable and that borrower and transaction documents contain appropriate representations.
Review reporting to verify completeness and compliance
Responsible for in-depth knowledge of FIG industries and all current events utilizing internal and external sources.
Maintain direct communication with assigned customers.
Evaluate proposed contents of deliverable reports to make sure that information is sufficiently complete.
Deal Support:
Work with business lines/product groups to identify prospective transactions.
Identify and mitigate structural risks in prospective transactions and recommend/enhance structuring of deals and covenant in line with policies and procedures.
Advise account officers on credit risk issues/terms and conditions to create the 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.
Administrative Agent Function:
Function as the first line resource for credit-side administrative issues
Coordinate waivers/amendments/consents with agency desk
Respond to credit inquiries from syndicate banks confirming information with the borrower as necessary
Policy and Compliance:
Ensure compliance with external regulatory/internal policy and procedural requirements.
Influence improvement of internal processes by participating in committees project teams ad-hoc policy meetings and transaction discussions to enhance organization-wide credit risk framework.
Support and mentor junior analysts in credit risk management process:
Train coach and support junior analysts on an on-the-job basis by providing guidance in completing complex assignments.
Study develop and enhance analytical skills of the team through close communication.
Skills & Experience:
A minimum of 5 years of experience at a financial institution (analyzing corporate clients risk and credit profiles) accounting firm or rating agency
You will have experience in the following sectors:
Insurance companies including property casualty companies and life insurance with preferred experience in life insurance and side car credit terms negotiation
Asset Managers and funds asset-based lending (ABL) across multiple asset classes
Counterparty credit risk management and administration of derivative limits
Solid experience in analyzing financial institution credits and conducting due diligence on such corporations developing working relationships with customers senior management.
Ability to build complex financial models to assess the customers repayment ability.
Experience in analyzing/supporting investment banking products including asset-based lending (securitization leasing) NAV lending and structured insurance solutions and understanding of structure risks inherent in such finance
Experience in underwriting M&A finance and ability in conducting merger and valuation analysis.
In depth knowledge of loan documentation and structural risks in corporate finance
Strong written verbal and interpersonal communication skills.
The ability to manage multiple priorities.
Effective communication skills and ability to work with senior credit officers business partners and clients.
BA required; CFA or MBA preferred.
Required Experience:
Chief
Employment Type
Full-Time
