MUFG
Bilingual Credit Risk Associate for Japanese Corporate Banking in Los Angeles, C
MUFG, Los Angeles, California, United States, 90079
Overview
Bilingual Credit Risk Associate for Japanese Corporate Banking in Los Angeles, CA Join MUFG as a Bilingual Credit Risk Associate for Japanese Corporate Banking in Los Angeles, CA. The selected colleague will work at an MUFG office or client sites four days per week and remotely one day; more details will be provided by a member of the recruitment team. Job Summary
Portfolio management for designated customers. Responsible for the underwriting and portfolio management of Japanese Corporate loan portfolio clients. This role focuses on subsidiary lending with complex relationships, including non-investment grade clients, customers with large credit exposure, structured finance transactions, and customers with complex corporate structures. Major Responsibilities
Portfolio Management & Underwriting Perform due diligence and regularly scheduled credit reviews Analyze credit risk of the designated portfolio, determine ratings, and make recommendations to management; designated customers will be more complex, including lower graded customers, large credit exposure, structured finance transactions, and complex corporate structures Prepare detailed credit analyses and applications in accordance with Bank policies and procedures; evaluate borrower industry, business, legal and financial risks, and recommend extensions of credit Manage deadlines and workload according to the schedule Serve as a subject matter expert for particular industries and industry subsectors Understand and assess risk of standard bank products including loans, standby letters of credit, trade finance, foreign exchange, derivatives, securitization, and lease Interview borrower senior management to assess business/financial risks; maintain direct communication with assigned customers as needed by RM Coordinate and communicate critical account information to related parties across the bank Oversee covenants compliance, facility due dates, conditions/instructions/reports, and call memos Perform other risk-related functions as needed Deal Support Identify prospective transactions with business lines/product groups Lead new deals with moderate complexity for existing and new customers from a credit underwriting perspective with moderate supervision Advise account officers on credit risk issues, terms and conditions to craft the best possible deal to improve profit and minimize credit cost Coordinate with credit division/administration to ensure rating rationale, facility structuring/exposures, and all related information are provided for decision making Policy Compliance Ensure compliance with external regulatory requirements (JFSA, BOJ, FRB, OCC and FDIC) Adhere to internal policies and procedures (Americas Credit Standards, Americas Credit-Related Procedures, Credit Rules, Procedures for Credit Ratings, JCB Operating Manual, etc.) Support department managers in the credit risk management process, including on-the-job training for junior analysts and ongoing compliance reporting. Qualifications
Ability to multi-task and work in a high-stress, time-sensitive environment Strong time management, attention to detail, and organizational skills Proficient in MS Office (Outlook, Word, Excel, PowerPoint); knowledge of banking applications is a plus Solid knowledge of finance, accounting, legal aspects, and regulations for commercial banking products Bachelor’s degree in a related field (accounting, finance); MBA/CFA is a plus 3-5 years of experience in large financial institutions or equivalent roles analyzing corporate customers and making credit recommendations Experience with a segment of an industry vertical or investment-grade loan portfolio is preferred Japanese language skills Demonstrate innovative and strategic thinking The typical base pay range for this role is between $90,000 and $120,000, depending on job-related knowledge, skills, experience, and location. This role may be eligible for discretionary performance-based bonus and/or incentive compensation. Our Total Rewards program includes comprehensive health and wellness benefits, retirement plans, educational assistance, and other benefits, in accordance with eligibility requirements and terms of each program. We are proud to be an Equal Opportunity Employer and are committed to leveraging the diverse backgrounds, perspectives and experience of our workforce. We do not discriminate on the basis of race, color, national origin, religion, gender expression, gender identity, sex, age, ancestry, marital status, protected veteran and military status, disability, medical condition, sexual orientation, or any other status protected by law.
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Bilingual Credit Risk Associate for Japanese Corporate Banking in Los Angeles, CA Join MUFG as a Bilingual Credit Risk Associate for Japanese Corporate Banking in Los Angeles, CA. The selected colleague will work at an MUFG office or client sites four days per week and remotely one day; more details will be provided by a member of the recruitment team. Job Summary
Portfolio management for designated customers. Responsible for the underwriting and portfolio management of Japanese Corporate loan portfolio clients. This role focuses on subsidiary lending with complex relationships, including non-investment grade clients, customers with large credit exposure, structured finance transactions, and customers with complex corporate structures. Major Responsibilities
Portfolio Management & Underwriting Perform due diligence and regularly scheduled credit reviews Analyze credit risk of the designated portfolio, determine ratings, and make recommendations to management; designated customers will be more complex, including lower graded customers, large credit exposure, structured finance transactions, and complex corporate structures Prepare detailed credit analyses and applications in accordance with Bank policies and procedures; evaluate borrower industry, business, legal and financial risks, and recommend extensions of credit Manage deadlines and workload according to the schedule Serve as a subject matter expert for particular industries and industry subsectors Understand and assess risk of standard bank products including loans, standby letters of credit, trade finance, foreign exchange, derivatives, securitization, and lease Interview borrower senior management to assess business/financial risks; maintain direct communication with assigned customers as needed by RM Coordinate and communicate critical account information to related parties across the bank Oversee covenants compliance, facility due dates, conditions/instructions/reports, and call memos Perform other risk-related functions as needed Deal Support Identify prospective transactions with business lines/product groups Lead new deals with moderate complexity for existing and new customers from a credit underwriting perspective with moderate supervision Advise account officers on credit risk issues, terms and conditions to craft the best possible deal to improve profit and minimize credit cost Coordinate with credit division/administration to ensure rating rationale, facility structuring/exposures, and all related information are provided for decision making Policy Compliance Ensure compliance with external regulatory requirements (JFSA, BOJ, FRB, OCC and FDIC) Adhere to internal policies and procedures (Americas Credit Standards, Americas Credit-Related Procedures, Credit Rules, Procedures for Credit Ratings, JCB Operating Manual, etc.) Support department managers in the credit risk management process, including on-the-job training for junior analysts and ongoing compliance reporting. Qualifications
Ability to multi-task and work in a high-stress, time-sensitive environment Strong time management, attention to detail, and organizational skills Proficient in MS Office (Outlook, Word, Excel, PowerPoint); knowledge of banking applications is a plus Solid knowledge of finance, accounting, legal aspects, and regulations for commercial banking products Bachelor’s degree in a related field (accounting, finance); MBA/CFA is a plus 3-5 years of experience in large financial institutions or equivalent roles analyzing corporate customers and making credit recommendations Experience with a segment of an industry vertical or investment-grade loan portfolio is preferred Japanese language skills Demonstrate innovative and strategic thinking The typical base pay range for this role is between $90,000 and $120,000, depending on job-related knowledge, skills, experience, and location. This role may be eligible for discretionary performance-based bonus and/or incentive compensation. Our Total Rewards program includes comprehensive health and wellness benefits, retirement plans, educational assistance, and other benefits, in accordance with eligibility requirements and terms of each program. We are proud to be an Equal Opportunity Employer and are committed to leveraging the diverse backgrounds, perspectives and experience of our workforce. We do not discriminate on the basis of race, color, national origin, religion, gender expression, gender identity, sex, age, ancestry, marital status, protected veteran and military status, disability, medical condition, sexual orientation, or any other status protected by law.
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