Credit Risk Analyst, Associate

Mufg New York , NY 10007

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.

Major Responsibilities:

The Credit Risk Analyst, Associate is responsible for the implementation of the credit risk underwriting/management function for Structured Finance and Asset Securitization, providing recommendations to the credit authority. We monitor and manage the credit exposure within portfolios and individual transactions, and continually review counterparty creditworthiness. At this level, you are fully knowledgeable on the day-to-day activities of a product or process, however, will require senior input on more complex issues.

Credit recommendations to management

  • You evaluate credit proposals and business screening memos and make written credit recommendations to management

  • You identify structural risks and mitigates in prospective transactions and recommend/enhance structuring of deals and covenants in line with policies and procedures

  • You advise account officers on credit risk issues/terms and conditions to create the best possible deal with a goal of maximizing profit and minimizing credit cost

  • You directly and independently communicate with other credit divisions to obtain necessary information/comments to support making a credit decision

  • You provide support to senior officers in the evaluation and credit recommendation on more complex deals

Active portfolio monitoring of designated customers

  • You are responsible for the monitoring and ongoing credit review of individual accounts through regular/ad-hoc credit review process

  • You evaluate credit review applications of the designated portfolio, figure out accurate ratings and make recommendations of accurate and timely ratings to management

  • You conduct site visits and due diligence and attend bank/customer meetings as required

  • You coordinate and communicate critical account information independently and directly to various related parties throughout the bank, business line, product groups and credit divisions

  • You engage in special projects including preparing comparative corporate metrics reports, deal comparison tables, etc.

Policy Compliance

  • You ensure compliance with external regulatory/internal policy and procedural requirements

Are you ready for an exciting challenge?

  • Knowledgeable of all elements of credit and risk principles

  • Previous extensive working experience in financial institutions, preferably 5 years in credit and risk related function with some experience or equivalent

  • 3 or more years of Structured Finance or Asset Securitization experience/knowledge

  • Sound knowledge of legal and compliance regulations pertinent to lending

  • Strong knowledge covering accounting rules, regulation and finance including cashflow analysis

  • Strong time-management/organizational and writing skills

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 category.

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 offenses.


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Credit Risk Analyst, Associate

Mufg