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

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s 10 largest financial institutions according to S&P Global. Across the globe, we’re 120,000 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.

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.

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 borrower’s 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 customer’s senior management.

• In depth knowledge of general corporate credit analysis, credit and risk management

• Ability to build complex financial modeling to assess the customer’s 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).

The typical base pay range for this role is between $142K - $180K 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 (https://careers.mufgamericas.com/sites/default/files/document/2023-01/mb-live-well-work-well.pdf)

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

At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!

Our Culture Principles

• Client Centric

• People Focused

• Listen Up. Speak Up.

• Innovate & Simplify

• Own & Execute