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Credit Executive - Project Finance/Energy, Vice President
Mitsubishi UFJ Financial Group
Los Angeles, CA, United States
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Description
Join a financial group that’s as committed to your future as you are. At MUFG, we share a vision for our future, we share our successes, and we strive to bring out the best in each other in everything we do. Our 14,000 diverse colleagues are connected by a common ambition to create change for the better—from forging more dynamic career paths, to driving progress in our communities, to continuously reshaping the standards of global financial services. Positive impact starts here; see the change you can make as we strive to become the world’s most trusted financial group.
Job Summary:
Reporting to the Credit Risk Manager, the Credit Executive will conduct credit analysis of project finances and oversee the credit approval process for power lending transactions. The ideal candidate will have project finance or structured finance experience. This position is focused on analytics and reporting.
Major Responsibilities:
Credit recommendations to management
• Evaluate credit proposals and business screening memos and make written credit recommendations to management.
• Identify structural risks and mitigates 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 other credit divisions to obtain necessary information/comments to support making a credit decision.
Active portfolio monitoring of designated customers
• Responsible for the monitoring and ongoing credit review of individual accounts through regular/ad-hoc credit review process.
• Evaluate credit review applications of the designated portfolio, determine accurate ratings and make recommendations of accurate and timely ratings to management.
• Conduct site visits and due diligence and attend bank/customer meetings as required.
• Coordinate and communicate critical account information independently and directly to various related parties throughout the bank, business line, product groups and credit divisions. Engaged in special projects including preparing comparative corporate metrics reports, deal comparison tables, etc.
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.
Enhancement of Analytical Skills
• Study, develop and enhance analytical skills of the team through close communication.
Qualifications
• In-depth knowledge of all elements of credit and risk principles.
• Capability to independently handle complex transactions, sensitive borrowers.
• Previous extensive working experience in financial institutions, preferably 7 years in credit and risk related function with 3 years of line experience or equivalent.
• 5 years + of Project Finance experience/knowledge.
• Thorough knowledge of legal and compliance regulations pertinent to lending.
• Strong knowledge covering accounting rule, finance, and regulation.
• Good time-management/organizational skill.
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 in employment decisions on the basis of any protected category.