Description
Do you want your voice heard and your actions to count?
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 150,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.
The Credit Management (CM) function centralizes core credit management and risk leadership, essential for effective credit risk management and escalation. It supports GCIB Coverage and work with Sector Coverage, AIBD functions, as well as relevant APAC teams for efficient task allocation. The role is accountable and responsible for the credit process in Hong Kong, supporting origination efforts and ongoing monitoring with internal team support.
Job Responsibilities:
- Support the Department Head in day-to-day credit management processes, proactively identifying emerging risks, themes, and opportunities to drive better risk and return outcomes for the Bank.
- Assist in portfolio construction to ensure banking the right clients and sectors, consistent with risk appetite and credit strategy of the bank.
- Partner with GCIB and global delivery teams to develop and execute a long-term plan that enhances the cross-location operating model, strengthens collaboration, and improves credit process outcomes.
- Support Coverage through risk management activities, identifying emerging risks and opportunities, with P&L and credit cost KPIs.
- Manage regional RWA/capital initiatives impacting counterparty booking and risk grading, with agreed KPIs for RWA management and mitigation.
- Support coverage on customer selection, adhering to risk appetite parameters and deal escalation processes, and engage with second and third lines of defence on risk escalation and awareness.
- Develop and maintain strong relationships with key stakeholders across the region, including Portfolio and Coverage team members, credit offices, etc.
- Demonstrate strong leadership through guidance and mentorship of team members, leading training and team meetings, and maintaining a proactive and positive approach.
- Drive quality submissions, lead local/regional projects, standardize processes, strengthen collaboration across locations and manage concerns with advice from in-country Coverage, credit offices, etc.
Qualifications and Requirements:
- Bachelor’s degree in business, commerce, law, or related disciplines.
- Masters of Finance, MBA or CFA qualification will be an advantage.
- Minimum 10 years’ experience in corporate and institutional lending, with solid experience in credit analysis and/or credit risk management functions in reputable financial institutions.
- Strong credit analysis experience in corporate finance transactions. Experience in structured lending will be an advantage.
- Solid financial knowledge and analysis acumen, and proficiency in Microsoft Office.
- Strong skills in credit writing, financial analysis and modelling, legal documentation, and debt structuring.
- Good understanding of financial and economic markets.
- Proven leadership and people management experience, complemented by excellent interpersonal and presentation skills.
- Team player mentality.
- Self-starter with initiative, drive, enthusiasm, and curiosity.