Credit Review Examiner, Associate

Union Bank, N.A. Los Angeles , CA 90009

Posted 3 months ago

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.

Department Summary:

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 build or handle credit exposure. Our top-tier team of risk management professionals possess deep credit analysis and transaction skills across wholesale and investment banking, capital markets, commercial, and consumer banking domains.

We are 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. This position is in New York, NY, Phoenix, AZ, Los Angeles, CA, or San Francisco, CA offices.

Job Summary:

The Associate Credit Review Examiner position resides within the Americas Credit Review (ACR) department which provides coverage for credit exposure originated or handled in the United States, Canada and Latin America.

You will be responsible for conducting comprehensive assessments of Business Divisions' credit risk management practices by evaluating, monitoring and reporting on asset quality and the effectiveness of their processes to control credit, trading and associated credit concentration risks. This will include but is not limited to evaluating the depth, accuracy and timeliness of the Business Unit's credit analyses, risk ratings and regulatory classifications; and adherence to MUFG's policies, procedures and underwriting guidelines, ongoing credit surveillance activities, and problem loan management activities. You will report findings to ACR and Business Unit senior management on both an examination basis as well as through continuous monitoring activities for your assigned portfolio(s).

Major Responsibilities:

Risk Evaluation & Monitoring (REM)

  • You participate in credit review examinations, analyze individual credits and/or credit relationships, adherence to approval conditions, accuracy of risk grading and adequacy and accuracy of documentation.

  • You analyze financial statement trends, projections and research industry to identify potential risk within portfolios.

  • You prepare timely, concise reports which articulate appropriate risk management ratings and significant issues observed.

  • You follow up with the Business Unit management for satisfactory completion of unresolved issues raised by internal and external examiners.

  • You prepare periodic Risk Profile& Monitoring Plans for assigned portfolio(s) to outline key risk factors and allocate appropriate resources to monitoring those risks.

  • You identify and evaluate the effectiveness of credit risk process controls.

  • You develop dynamic, ongoing and risk based monitoring and examination programs.

  • You monitor risk asset portfolios to identify deterioration or negative management control trends and review compliance with policies, guidelines and regulations.

  • You evaluate MIS data and identify adverse trends of leading and lagging performance indicators.

Communication:

  • You 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.

  • You maintain effective and open communication with internal and external bank line and staff personnel and provide technical guidance to units on credit policies and control procedures.

  • You keep ACR management informed on degree of risk in various portfolios, particularly the more complex and/or specialized portfolios.

  • You clearly communicate sensitive issues at the highest level of bank management.

  • You promote teamwork within ACR, as well as with other bank units. Develop collaborative working relationships with lending unit management and Credit Administration.

  • You engage in special projects as needed.

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Credit Review Examiner, Associate

Union Bank, N.A.