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Credit Risk Management, Restaurant Finance Sector- Vice President

AT MUFG
MUFG

Credit Risk Management, Restaurant Finance Sector- Vice President

New York, NY

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Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.
This is a hybrid position. The recruiter will provide additional details.

Corporate Banking, Credit Administration for the Wholesale Bank (CDA), Restaurant Finance, Vice President - New York, NY

Role will be Hybrid, two to three days in the office.

Active portfolio management of designated customers

•Responsible for the management of the Restaurant portfolio as a credit officer

•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 appropriate policies and procedures, evaluating the borrower's industry/business/legal/financial risks and recommending extensions of credit to management

• Collaborate productively with the business line to manage safety and soundness while developing the portfolio

•Coordinate and communicate critical account information independently and directly to various related parties throughout the bank, business line, product groups and credit divisions

•Perform due diligence and regularly scheduled reviews

• Ensure compliance with external regulatory/internal policy and procedural requirements

•Support and mentor analysts and associates in credit risk management process

Deal Support

•Work with business lines/product groups to identify prospective transactions

• Identify structural risks and mitigants in prospective transactions and recommend/enhance structuring of deals and covenant in line with policies and procedures.

•Advises 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.

Preferred Qualifications

Minimum 5-10 years' experience at financial institutions or equivalent in credit and risk related functions analyzing corporates and franchisees in the Restaurant and Hospitality segment.

Minimum of 3 years' experience in analyzing and conducting due diligence on middle market/leveraged borrowers.

In depth knowledge of general corporate credit analysis, credit/risk management, underwriting leveraged loans and conducting valuation analyses.

Ability to build complex financial models to assess the customer's repayment ability.

In depth knowledge of loan documentation and structural risks in corporate finance.

Understanding of regulatory environment both in Japan (FSA, BOJ) and the U.S. (FRB, FDIC).

The typical base pay range for this role is between $150K - $180K depending on job-related knowledge, skills, experience and location. This role may also be eligible for certain discretionary performance-based bonus and/or incentive compensation. Additionally, our Total Rewards program provides colleagues with a competitive benefits package (in accordance with the eligibility requirements and respective terms of each) that includes 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, and paid vacation, sick days, and holidays. For more information on our Total Rewards package, please click the link below.

MUFG Benefits Summary

The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.

We are proud to be an Equal Opportunity/Affirmative Action Employer and committed to leveraging the diverse backgrounds, perspectives and experience of our workforce to create opportunities for our colleagues and our business. 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, genetic information, or any other status of an individual or that individual's associates or relatives that is protected under applicable federal, state, or local law.

#LI-Hybrid

Client-provided location(s): New York, NY, USA
Job ID: MUFG_Union_Bank-10058657-WD
Employment Type: Other

Perks and Benefits

  • Health and Wellness

    • HSA
    • On-Site Gym
    • HSA With Employer Contribution
    • Health Insurance
    • Dental Insurance
    • Vision Insurance
    • Life Insurance
    • Long-Term Disability
  • Parental Benefits

    • Non-Birth Parent or Paternity Leave
    • Birth Parent or Maternity Leave
  • Work Flexibility

    • Remote Work Opportunities
  • Office Life and Perks

    • Commuter Benefits Program
  • Vacation and Time Off

    • Personal/Sick Days
    • Paid Holidays
    • Paid Vacation
  • Financial and Retirement

    • Pension
    • 401(K) With Company Matching
  • Professional Development

    • Promote From Within
    • Mentor Program
    • Access to Online Courses
    • Tuition Reimbursement
  • Diversity and Inclusion

    • Diversity, Equity, and Inclusion Program