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Bilingual Credit Risk Associate for Japanese Corporate Banking in Los Angeles, CA

MUFG · Los Angeles, CA · 6 days ago
On-siteFinance$90k–$129k/yrFull-time

Job Summary

Portfolio management for designated customers. Responsible for the underwriting and portfolio management of Japanese Corporate loan portfolio clients.

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.
  • Interview the borrower’s senior management to assess their business/financial risks/challenges.
  • Maintain direct communication with assigned customers, if needed by RM (relationship manager).
  • Coordinate and communicate critical account information to various related parties throughout the bank.
  • Oversee covenants compliance, facility due date, condition/instruction/report required, and call memos.
  • Deal Support: Work with business lines/product groups to identify prospective transactions. Lead new deals with moderate complexity for both existing and new customers from the credit underwriting perspective with moderate supervision.
  • Advise account officers on credit risk issues, terms and conditions to craft the best possible deal with the goal of improving profit and minimizing credit cost.
  • Policy Compliance: Ensure compliance with external regulatory requirements (JFSA, BOJ, FRB, OCC and FDIC). Ensure compliance with internal policy and procedures by understanding and adhering to Americas Credit Standards, Americas Credit-Related Procedures, Credit Rules, Procedures for Credit Ratings, JCB Operating Manual, and any other applicable pronouncements.
  • Support Dept. managers in credit risk management process.
  • Support junior analysts on OJT basis as assigned by the manager (experienced associate).
  • Study, develop and improve analytical skills through close communication with related divisions, such as Americas Credit Review, Credit departments, Credit Policy Office and other Credit Divisions with support from managers.
  • Aid managers in the training efforts.
  • Maintain and monitor compliance reporting requirements.

Qualifications

  • Ability to multi-task and work under high stress and time-sensitive work environment.
  • Strong time management skills; attentive to details for accuracy and integrity.
  • Strong organization skills and ability to manage multiple projects.
  • Proficient in MS Office including Outlook, Word, Excel and PowerPoint.
  • Sound knowledge in finance, accounting, legal, regulations for commercial banking products.
  • Bachelor’s degree in a related field such as accounting, finance.
  • MBA/CFA, a plus.
  • 3-5 years working experience in large financial institutions, credit and risk related function in equivalent organizations analyzing general corporate customers and making credit recommendations or other financial related roles such as M&A in accounting firms, business analysis in accounting/ consulting firms, analyzing subsidiaries performance in corporate finance function.
  • Previous experiences including handling a segment of an industry vertical or a primarily investment grade commercial loan portfolio and coordinating with execution team for proper booking of newly assigned accounts, preferred.
  • Japanese language skills.
  • Demonstrate innovative and strategic thinking.

Pay

The typical base pay range for this role is between $90K - $129K 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.

Benefits

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.

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