Credit Risk Associate for Japanese Corporate Banking
MUFG Bank, Ltd. is Japan's largest bank and a global financial institution with offices throughout Japan and in 40 other countries. It provides corporate and investment banking, global markets, transaction banking, trade finance, cash management, custody, and personal banking services.
About MUFG Bank, Ltd.
MUFG Bank, Ltd. is the core commercial banking subsidiary of Mitsubishi UFJ Financial Group, Inc. The bank serves corporate, institutional, financial-institution, and personal customers through a global network. Its services include syndicated, project, acquisition, real estate, ship, and supply-chain finance; securitization; global markets; cash management; trade finance; cross-border payments; JPY cash clearing; and custody services.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You manage underwriting and portfolio risk for Japanese Corporate Banking loan clients, including complex and non-investment-grade relationships. You perform credit reviews, analyze financial and industry risks, recommend ratings and credit extensions, support deal execution, monitor covenants, ensure policy compliance, communicate with stakeholders, and support junior analysts.
Requirements
- Ability to manage multiple tasks in a high-stress, time-sensitive environment
- Strong time management, organization, and attention to detail
- Proficiency in Microsoft Office including Outlook, Word, Excel, and PowerPoint
- Knowledge of finance, accounting, legal matters, and regulations for commercial banking products
- Bachelor's degree in a related field such as accounting or finance
- Three to five years of experience in financial institutions or credit and risk functions
- Experience analyzing corporate customers and making credit recommendations
- Japanese language skills
- MBA or CFA is a plus
Responsibilities
- Perform due diligence and scheduled credit reviews
- Analyze portfolio credit risk and recommend accurate ratings to management
- Prepare credit analyses and credit applications under bank policies and procedures
- Evaluate borrower industry, business, legal, and financial risks
- Recommend extensions of credit
- Assess risks of loans, standby letters of credit, trade finance, foreign exchange, derivatives, securitization, and leases
- Interview borrower senior management and communicate with assigned customers
- Monitor covenants, facility due dates, conditions, reports, and call memoranda
- Support new transactions from a credit underwriting perspective
- Advise account officers on credit risks, terms, conditions, and deal structures
- Ensure compliance with regulatory requirements and internal credit policies
- Support junior analysts and assist with training efforts
Benefits
- Comprehensive health and wellness benefits
- Retirement plans
- Educational assistance and training programs
- Income replacement for qualified employees with disabilities
- Paid maternity and parental bonding leave
- Paid vacation
- Paid sick days
- Paid holidays
