Bilingual Credit Risk Associate, Portfolio Management, Japanese Corporate Banking

About the role

The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day.

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.
• 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.
  • Closely consult with manager, 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.

Requirements

• 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.
• Knowledge in banking applications is a plus.
• 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.

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.
• Knowledge in banking applications is a plus.
• 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.

Benefits

The typical base pay range for this role is between $90K - $121K 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