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Credit Analyst
Mitsubishi UFJ Financial Group
Los Angeles, CA, United States
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Description
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world (as ranked by S&P Global, April 2018) with total assets of over $2.9 trillion (106.2 (JPY) as of March 30, 2018) and 150,000 colleagues in more than 50 countries. In the U.S., we’re 13,000 strong, working together to positively impact every customer, organization, and community we serve. We achieve this by delivering on our values, putting people first, fostering long-term relationships built on honesty and mutual understanding, and inspiring the best in each other. This is all part of our inclusive, high-performing culture supported by Total Rewards that include our cash balance pension plan. Join a team that’s working to fulfill its vision to be the world’s most trusted financial group.
Job Summary:
Portfolio management for designated customers. Responsible for the management of a portfolio of Japanese Corporate loan portfolio clients. Designated customers will be complex relationships focusing on non-investment grade clients, customers with a large credit exposure, structured finance transactions, and customers with complex corporate structures.
Major Responsibilities:
• Perform due diligence and regularly scheduled credit 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 Bank’s credit policies and procedures such as ACP, ACRP, Credit Rules for Overseas Offices and JCB’s internal operating manuals, evaluating the borrower’s industry, business, legal and financial risks, and recommending extensions of credit to management.
• Function as a subject expert with regard to particular industries and industry subsectors, and maintain most updated knowledge on assigned industries through internal/external sources and direct communication with the borrowers.
• Coordinate and communicate critical account information to various related parties throughout the bank, business line, product groups, credit divisions, risk management divisions and examination.
• Oversight of covenants compliance.
• Maintain direct communication with assigned customers, if deleted by RM.
• Responsible for coordinating and communicating account information to external regulators, OCC, FRB, JFSA, BOJ, and SNIC.
• Perform other risk related functions as needed.
• Deal Support Work with business lines/product groups to identify prospective transactions; identify structural risks and mitigates 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 a best possible deal with a goal of maximizing profit and minimizing credit cost.
• Communicate with credit division/administration with regard to rating rationale, facility structuring/exposures and ensure credit division provided with all credit related information and analysis pertinent to making a decision.
• Policy Compliance - ensure compliance with external regulatory requirements (JFSA, BOJ, FRB, OCC and FDIC).
• Ensure compliance with internal policy and procedural requirements by understanding and adhering to JCB Procedures, ACP, ACRP, Credit Rules for MUFG Bank Overseas Offices, Procedures for Credit Ratings, among others.
• Participate in ad-hoc policy meetings and project teams to enhance organization-wide credit risk management framework.
• Support Dept. Manager and Team Leaders in credit risk management process.
• Support junior analysts on OJT basis as assigned by Manager or Team Leader.
• Study, develop and enhance analytical skills of the team through close communication with related divisions, such as ACR, CDA, Credit Policy Office and other Credit Divisions with support from Team Leader or Manager.
• Study, development and enhancement of credit risk management procedures applicable to JCB in cooperation with related divisions and groups, such as CDA, RMDA, DWMD, CCG, BSD, Credit Policy Office and other Credit Divisions.
• Coordinate the implementation process of new Head Office rules and procedures, and revisions to them, into JCB’s operational environment, in co-operation with Manager and Team Leader and other related departments (CDA, RMDA, DWMD, CCG, Credit Policy Office and other Credit divisions).
• Train, guide and motivate junior staff to promote timely production of reports and effective performance.
• Assist in management and control of credit applications.
• Facilitate the approval process for credit actions and loan sales.
• Coordinate the Self-Assessment process to establish the loan loss reserves.
• Maintain and monitor compliance reporting requirements.
Qualifications
• Bachelor degree in Business Administration, Accounting, Technology or degree in a related field with transferrable skills.
• Minimum of 2+ years of related Credit Risk review work experience.
• Fluency in both English and Japanese – verbal and written communication.
• In-depth knowledge of client industries and industry current events utilizing internal and external sources.
Prior experience:
• Managing a segment of an industry vertical or primarily investment grade general commercial loan portfolio.
• Preparing detailed credit analyses and required credit application according to policy, including evaluation of loan purpose and structure, repayment sources, corporate, regulatory and industry risk, liquidity, asset protection, historical and projected operating performance and capital structure.
• Coordinating with execution team and Loan Transaction Unit for proper booking of newly assigned accounts.
• Vision to see opportunities to enhance Credit Risk reporting and processes.
The above statements are intended to describe the general nature and level of the 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.
A conviction is not an absolute bar to employment. Factors such as the age of the offense, evidence of rehabilitation, seriousness of violation, and job relatedness are considered in all employment decisions. Additionally, it’s the bank’s policy to only inquire into a candidate’s criminal history after an offer has been made. Federal law prohibits banks from employing individuals who have been convicted of, or received a pretrial diversion for, certain offenses.