Credit Risk Associate (Bilingual), Japanese Corporate Banking, Ny Hybrid

Do you want your voice heard and your actions to count?

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 7th largest financial group in the world. Across the globe, we’re 160,000 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 world’s most trusted financial group, it’s 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.

This is a hybrid position. The selected colleague will work at an MUFG office or client sites up to four days per week and work remotely the remaining day(s). A member of our Talent Acquisition team will provide more details.

Major Responsibilities:

Active Portfolio Management of Designated Customers

• Manage a designated portfolio of Japanese corporate credit customers.
• Perform due diligence and scheduled reviews regularly.
• 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 Americas Credit Policy, Americas Credit-Related Procedures, Credit Rules, and JCB Credit Operating Manual, evaluating the borrower’s industry / business / legal / financial risks and recommending extensions of credit to management.
• Function as a subject expert with regard to particular industries / industry subsectors and maintain most updated knowledge on the industries through internal / external sources.
• Fully understand and able to assess risk of standard bank products such as loans, stand-by LC, trade finance, forex, derivatives, and securitization.
• Maintain direct communication with assigned customers.
• Oversight of covenants compliance, facility due date, condition / instruction / report required.
• Responsible for coordinating and communicating account information to internal auditors and external regulators (e.g., FRB, FSA, BOJ, SNIC, OCC).
• Ongoing study / development to enhance the all-around skill sets of a portfolio manager.
• Perform other related functions as assigned.

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 covenant in line with policies and procedures.
• Advise account officers on Credit Risk issues, terms & conditions, to create the best possible deal with a goal of improving profit and minimizing credit cost.
• Communicate with credit divisions with regard to rating rationale, facility structuring / exposures, and ensure credit divisions are furnished with all credit related information / analysis pertinent to making a decision.  

Policy Compliance

• Ensure compliance with external regulatory requirements (JFSA, BOJ, FRB, OCC).

• Ensure compliance with internal policy and procedures by understanding and adhering to Americas Credit Policy, Americas Credit-Related Procedures, Credit Rules, Procedures for Credit Ratings, JCB Credit Operating Manual, and any other applicable pronouncements.
• Participate in ad-hoc policy meetings / project teams to enhance organization wide Credit Risk management framework.

QUALIFICATIONS:

• In-depth knowledge of general corporate credit analysis and risk management
• 3-5 years of working experience in financial institutions or equivalent, in credit and risk related function analyzing general corporate customers.
• Be able to conduct fundamental credit analysis, make sound credit decisions based on business and financial risks for medium-large corporations. Fully conversant with various types of lending and market risk products.
• Japanese language skill (business level or higher) required.
• Bachelor’s degree required (major in accounting / finance / business preferred).
• MBA or CFA is a plus.
• Completion of formal credit training is a plus.

The typical base pay range for this role is between $95K - $115K 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.

MUFG Benefits Summary

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/Affirmative Action 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 individual’s associates or relatives that is protected under applicable federal, state, or local law. 

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