Credit Risk Manager

1 month ago

London, Greater London, United Kingdom MUFG Americas Full time

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups. 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.

Overview of the Department/Section

The Credit Office for EMEA (ECrO) is a credit division responsible for corporate banking credit for non-Japanese corporates, non-Japanese Financial Institutions (FIs), and non-Japanese Sovereigns (collectively Global Corporates).

  • Assessment and management of credit risks and related risks
  • Assessment and management of country risks
  • Management of problematic assets
  • Monitoring, reporting and early action
  • Portfolio analysis and management

Main Purpose of the Role

  • To support the ECrO Group Heads and General Managers to develop and maintain a sound portfolio within the credit appetite of the EMEA region, and in line with regulatory requirements.
  • To assess the credit of obligors in specific sectors/regions and make recommendations on borrower ratings and transactions for decision-making by relevant senior management with discretionary authority.

Key Responsibilities

  • Specifically, you will be accountable and responsible for taking appropriate action with respect to the Consumer Sectors and Leverage Finance Credit Team including:
    • Reviewing credit applications received and making recommendations to senior management on transaction specific files as well as continuously and actively monitoring the portfolio in line with internal policies and applicable regulatory guidelines. Ensure a high quality of written and verbal work.
    • Responsible for making balanced, timely and thoughtful credit decisions within the firm's risk appetite.
    • Responsible for proactive solutions driven engagement with front line on deal specific and/or strategic developments through guidance, direction, feedback and identification of red flags or breaches of internal guidelines and policies.
    • Responsible as a VP within CIB Credit for EMEA for supporting strategic initiatives.
    • Responsible for developing knowledge of the various types of industries, sectors, countries, players and financial and legal structures within Consumer Sectors and Leverage Finance and commitment to further learning.
    • Demonstrate the Risk Culture Pillars; taking accountability for identifying and mitigating risk; actively managing risk within the department; role modelling the risk partnership with colleagues in 1LOD and 2LOD.
    • Responsible for representing the credit division at internal forums within the region.

Work Experience

  • Credit experience in a global banking environment, corporate banking or investment banking institution.

Skills and Experience

Functional / Technical Competencies:

Essential

  • In depth knowledge of credit and risk principles, products and management.
  • Ability to communicate both in writing and verbally clearly and concisely.

Education / Qualifications:

  • Bachelor degree or equivalent

Personal Requirements

  • Excellent communication skills
  • Results driven, with a strong sense of accountability
  • A proactive, motivated approach.
  • The ability to operate with urgency and prioritise work accordingly
  • Strong decision making skills, the ability to demonstrate sound judgement
  • A structured and logical approach to work
  • Strong problem solving skills
  • A creative and innovative approach to work
  • Excellent interpersonal skills
  • The ability to manage large workloads and tight deadlines
  • Excellent attention to detail and accuracy
  • A calm approach, with the ability to perform well in a pressurised environment
  • Strong numerical skills
  • Excellent Microsoft Office skills

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