Credit Review Examiner, Structured Finance, Vice President
Company: MUFG in the Americas
Location: New York
Posted on: March 28, 2020
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.
Credit Review is a key department within MUFG's third line of
defense. Our mission is to provide executive management and the
Board of Directors with an independent view of asset quality and
credit risk management practices across all businesses or functions
that create or manage credit exposure. The team is comprised of
seasoned risk management professionals with deep credit analysis
and transaction skills across wholesale and investment banking,
capital markets, commercial, and consumer banking domains.
Credit Review is a global function with four primary hub locations
in London, Tokyo, Singapore and New York. Each location operates as
a standalone department covering its respective geographic region
with dual accountability to local legal entity Board committees as
well as to global Credit Review department leadership in Tokyo.
The position being offered resides within the Americas Credit
Review (ACR) department which provides coverage for credit exposure
originated or managed in the United States, Canada and Latin
The incumbent will be responsible for conducting comprehensive
assessments of assigned Business Units' asset quality and the
effectiveness of their processes for controlling credit, trading
and associated concentration risks. This will include but is not
limited to evaluating the depth, accuracy and timeliness of
Business Units' credit analyses, risk ratings and regulatory
classifications, adherence to MUFG's policies, procedures and
underwriting guidelines, ongoing credit surveillance activities,
and problem loan management activities. The Senior Credit Examiner
is expected to lead certain exams as the Examiner In-Charge (EIC)
and in other cases contribute on other EICs' exams. The candidate
also is expected to perform continuous monitoring activities over
her assigned portfolio(s) in between scheduled exams and in
accordance with ACR's policies and procedures. Senior Credit
Examiners will periodically report findings to ACR and Business
Unit senior management on both an examination basis as well as
through continuous monitoring. The incumbent also is expected to
contribute to the advancement of ACR by collaborating with other
team members and contributing (or leading) special projects as
Risk Evaluation & Monitoring (REM)
- Oversee ACR's ongoing surveillance of the credit risks in
assigned portfolio(s) according to ACR requirements and provide
periodic reports of results to senior management.
- Lead asset quality / loan review examinations, review and opine
on team member transaction reviews, and provide assurance on the
completeness and accuracy of examination activities to senior
- Analyze individual credits and/or credit relationships,
adherence to approval conditions, accuracy of risk grading and
adequacy and accuracy of documentation. Analyze financial statement
trends, projections and research industry to identify potential
risk within portfolios.
- Prepare timely, concise reports which articulate appropriate
risk management ratings and significant issues observed. Follow up
with the Business Unit management for satisfactory completion of
outstanding issues raised by internal and external examiners.
- Develop dynamic, ongoing and risk based monitoring and
examination programs. Monitor risk asset portfolios to identify
deterioration or negative management control trends and review
compliance with policies, guidelines and regulations.
- Prepare periodic Risk Profile & Monitoring Plans for assigned
portfolio(s) to outline key risk factors and allocate appropriate
resources to monitoring those risks. Identify and evaluate the
effectiveness of credit risk process controls.
- Evaluate MIS data and identify adverse trends of leading and
lagging performance indicators.
- Write high quality, concise and informative reports following
ACR report standards and guidelines for senior management and
internally to support REM results and examination findings.
- Maintain effective and open communication with internal and
external bank line and staff personnel. Provide technical guidance
to units on credit policies and control procedures.
- Keep ACR management informed on degree of risk in various
portfolios, particularly the more complex and/or specialized
portfolios. Clearly communicate sensitive issues at the highest
level of bank management.
- Promote teamwork within ACR, as well as with other bank units.
Foster collaborative working relationships with lending unit
management and Credit Administration.
- Contribute to the development and mentoring of junior ACR team
members. Serve as a role model and ambassador for the ACR
department in all stakeholder interactions.
- Lead or contribute to special projects as needed.
- A BA or BS degree; MBA or other advanced degree or
certification is a plus.
- 8+ years of experience in banking or credit-related fields;
significant prior lending, credit risk management, credit review,
regulatory supervision, or similar experience required.
- Strong credit/financial statement analysis skills, a solid
understanding of business and financial markets and the effects of
economic conditions on the Bank's risk assets.
- Ability to analyze portfolio trends at a macro level,
identifying signs of changing risk levels and/or symptoms of
process control breakdowns.
- Broad knowledge of project & structured finance, leasing and
securitization throughout the US, Canada, Latin America and Asia.
Comprehensive experience of current regulatory and risk management
- Strong leadership, collaboration and influencing skills.
Comfort communicating difficult messages to senior audiences firmly
yet professionally. Constructive, solution orientation /
- Track record of developing, motivating and leading teams of 2-6
- Effective communication skills, both oral and written. Ability
to interact effectively with unit managers, lending officers, unit
support staff, credit administrators and all levels of ACR and bank
- Strong attention to detail and high commitment to quality.
- Willingness to travel 10-20% if needed.
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
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
Keywords: MUFG in the Americas, New York , Credit Review Examiner, Structured Finance, Vice President, Executive , New York, New York
Didn't find what you're looking for? Search again!