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The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. A member of our recruitment team will provide more details.
Job Summary:
We're seeking a Credit Vice President who will be part of our growing Portfolio Management Group. You will focus on underwriting and portfolio management for clients in the Diversified Industries sector for non-investment grade public and privately owned corporate borrowers.
As a Vice President, you will be responsible for active credit management of a designated portfolio utilizing solid credit and analytical skills, providing continuous oversight of portfolio names, monitoring for potential risk and regulatory rating changes and proactively identifying credit deterioration with the goal of maximizing net income and reducing credit costs.
Responsibilities:
- Evaluate prospects and analyze structure of complex financing transactions for new and existing clients within the industry vertical
- Underwrite new bank debt transactions according to established policies and guidelines for non-investment grade clients and prospects
- Manage a portfolio of corporate clients, including periodic reviews and communication of account information across various constituencies throughout the organization
- Prepare cash flow projections to assess the debt repayment capacity of borrowers
- Review loan documentation and facilitates the closing of transactions
- Coordinate the deal process with credit partners in CDA (Credit Division of the Americas), relationship managers in GRM (Global Relationship Management), and various product partners
- Train and guide the junior members of the team
Active portfolio management of designated customers:
- Responsible for the management of a portfolio in the Diversified Industries vertical
- Perform due diligence and regularly scheduled reviews
- Analyze credit risk of the designated portfolio, determine accurate ratings and make recommendations of accurate and timely ratings to management
- Prepare detailed credit analysis and credit applications in accordance with Policy, Credit Rules for Overseas Offices and company's Procedure Manual, evaluating the borrower's industry/business/legal/financial risks and recommending extensions of credit to management
- Coordinate and communicate critical account information independently and directly to various related parties throughout the bank, business line, product groups and credit divisions
- Maintain direct communication with assigned customers
Deal Support:
- Work with business lines/product groups to identify prospective transactions
- Identify structural risks and mitigate in prospective transactions and recommend/enhance structuring of deals and covenant in line with policies and procedures
- Advise account officers on credit risk issues/terms and conditions to create a best possible deal with a goal of maximizing profit and minimizing credit cost
- Directly and independently communicate with credit division and ensure it is provided with all related information/analysis pertinent to making a decision with little support from management
Policy Compliance:
- Ensure compliance with external regulatory/internal policy and procedural requirements
- Participate in ad-hoc policy meetings to enhance organization wide credit risk framework
Support and mentor junior analysts in credit risk management process:
- Train and support junior analysts on OJT basis as assigned by MD or Director/Team Leader
- Guide junior analysts in completing complex assignments
- Study, develop and enhance analytical skills of the team through close communication
Skills & Experience:
- Bachelor's degree, CFA is an asset, an MBA and/or degree in Finance, Accounting, or Economics preferred but not required
- 5+ years of corporate lending experience
- Strong credit skills and extensive financial modeling skills
- Knowledge of standard bank products including loans, letters of credit, derivatives, foreign exchange, securitization and leasing
- Strong written, verbal and interpersonal skills
- The ability to manage multiple priorities
- Effective communication skills and ability to work with senior credit officers, business partners, and clients
- Completion of formal credit training program is a decisive asset
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