Director, Credit Risk Manager, Mid Market Leverage Finance

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Overview of Corporate and Investment Banking Credit (CIB Credit) for EMEA

The ECD is a credit division responsible for corporate banking and structured finance credit for non-Japanese corporates, FIs, and Sovereigns. Its major functions are:

• Analyzing, approving, sanctioning, and monitoring the credit quality of corporate credit risks and related risks.
• Analyzing, approving, sanctioning, and monitoring the credit quality of Leveraged Finance, Project Finance, Structured Trade Finance, Aircraft Finance, Asset-backed Finance (Securitization).
• Assessment and management of country risks.
• Management of problematic assets.
• Monitoring, reporting, and early action.
• Portfolio analysis and management.

Our Credit Team is part of a global organization located in Tokyo, New York, Los Angeles, Singapore, and London. The London Credit team is responsible for the EMEA region, and we work closely with other regions to ensure global consistency in credit approvals.

• To support Group Head to direct the continuous development of CIB Credit for EMEA’s credit risk framework, risk appetite portfolio monitoring, and early warning frameworks in line with shareholders, client, and regulatory expectations.
• To support Group Head to lead, manage, guide, and develop a group of credit professionals responsible for leveraged finance, and other corporate credit of certain allocated sectors.
• To exercise delegated credit approval authority of up to USD75mln, and/or make 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.
• Taking an enterprise-wide view to partner with the business to develop and set underwriting and risk appetite guidelines for new strategic or new product initiatives.

• Conduct credit analysis of principally leveraged finance transactions, including engaging with FO due diligence calls, drafting credit papers, application of rating methodology, preparation of comparative statistics, graphs, and tables under the guidance of senior management.
• Monitor/review existing portfolio transactions and make recommendations in terms of credit and rating decisions.
• Work on ad-hoc projects, as instructed by Group Head or senior management, to setup/adjust the risk criteria/policy and to improve the quality of portfolio.
• Follow the trend, market, and developments in certain allocated sectors/products, EMEA countries, players, and financial/legal structures and share those with the team.
• Support the development of more junior colleagues in the team and share technical knowledge of certain allocated sectors/products.
• As required, prepare reports for Tokyo Head Office and European Headquarters as well as creating credit committee materials.
• To comply with all regulatory and compliance procedures.
• Responsible for meeting internal policy requirements.

Essential: Experience of working in tier 1 bank credit division covering Leveraged Finance, or experience of working on leverage finance transactions within a major rating agency, or working in Leveraged Finance front line team.

• Sufficient experience in alternative area if an applicant being single-experienced for either corporate or structured finance.
• Good experience in investment banking in credit or front office.

Functional / Technical Competencies: Essential

• Sufficient credit assessment and credit risk management skills.
• Adequate relevant leveraged finance product experience with a deep area of credit specialism.
• In-depth knowledge of credit and risk principles, products, derivatives, and management.
• Sufficient experience in dealing with regulatory audits associated to credit.
• Strong interpersonal skills with ability and experience to communicate to both senior management and junior members of staff.

• Bachelor Degree

• Excellent communication skills demonstrating the ability to articulate and implement the vision/strategy for CIB Credit for EMEA.
• Results-driven, with a strong sense of accountability.
• A proactive, motivated, creative, and innovative approach to work.
• The ability to operate with urgency and prioritize work accordingly.
• Strong decision-making skills, the ability to demonstrate sound judgement.
• Strong problem-solving skills, and excellent interpersonal skills.
• Excellent attention to detail and accuracy.
• A calm approach, with the ability to perform well in a pressurized environment.
• A confident approach, with the ability to provide clear direction to the team.
• Excellent managerial/leadership ability to build and develop a first-class credit team.
• An enterprise-wide strategic approach to the role of CIB Credit, with the ability to contribute strongly to a high-performing team.

MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity, and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership. We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.

At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive, and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!
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People Focused
Listen Up. Speak Up.
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Own & Execute
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