Credit Examiner - Vice President
- Tempe, AZ
Do you want your voice heard and your actions to count?
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world (as ranked by S&P Global, April 2020).In the Americas, we're 13,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, developing positive relationships built on integrity and respect. It's part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. We're a team that accepts responsibility for the future by asking the tough questions and owning the solutions. Join MUFG and be empowered to make your voice heard and your actions count.
Credit Review is a key department within MUFG's third line of defense. Our mission is to provide executive management and the Board of Directors with an independent view of asset quality and credit risk management practices across all businesses or functions that create or manage credit exposure. The team is comprised of seasoned risk management professionals with deep credit analysis and transaction skills across wholesale and investment banking, capital markets, commercial, and consumer banking domains.
Credit Review is a global function with four primary hub locations in London, Tokyo, Singapore and New York. Each location operates as a standalone department covering its respective geographic region with dual accountability to local legal entity Board committees as well as to global Credit Review department leadership in Tokyo.
The position being offered resides within the Americas Credit Review (ACR) department which provides coverage for credit exposure originated or managed in the United States, Canada and Latin America.
The incumbent will be responsible for conducting comprehensive assessments of assigned Business Units' asset quality and the effectiveness of their processes for controlling credit, trading and associated concentration risks. This will include but is not limited to evaluating the depth, accuracy and timeliness of Business Units' credit analyses, risk ratings and regulatory classifications, adherence to MUFG's policies, procedures and underwriting guidelines, ongoing credit surveillance activities, and problem loan management activities. The Senior Credit Examiner is expected to lead certain exams as the Examiner In-Charge (EIC) and in other cases contribute on other EICs' exams. The candidate also is expected to perform continuous monitoring activities over her assigned portfolio(s) in between scheduled exams and in accordance with ACR's policies and procedures. Senior Credit Examiners will periodically report findings to ACR and Business Unit senior management on both an examination basis as well as through continuous monitoring. The incumbent also is expected to contribute to the advancement of ACR by collaborating with other team members and contributing (or leading) special projects as needed.
Risk Evaluation & Monitoring (REM)
- Oversee ACR's ongoing surveillance of the credit risks in assigned portfolio(s) according to ACR requirements and provide periodic reports of results to senior management.
- Lead asset quality / loan review examinations, review and opine on team member transaction reviews, and provide assurance on the completeness and accuracy of examination activities to senior management.
- Analyze individual credits and/or credit relationships, adherence to approval conditions, accuracy of risk grading and adequacy and accuracy of documentation. Analyze financial statement trends, projections and research industry to identify potential risk within portfolios.
- Prepare timely, concise reports which articulate appropriate risk management ratings and significant issues observed. Follow up with the Business Unit management for satisfactory completion of outstanding issues raised by internal and external examiners.
- Develop dynamic, ongoing and risk based monitoring and examination programs. Monitor risk asset portfolios to identify deterioration or negative management control trends and review compliance with policies, guidelines and regulations.
- Prepare periodic Risk Profile & Monitoring Plans for assigned portfolio(s) to outline key risk factors and allocate appropriate resources to monitoring those risks. Identify and evaluate the effectiveness of credit risk process controls.
- Evaluate MIS data and identify adverse trends of leading and lagging performance indicators.
- Write high quality, concise and informative reports following ACR report standards and guidelines for senior management and internally to support REM results and examination findings.
- Maintain effective and open communication with internal and external bank line and staff personnel. Provide technical guidance to units on credit policies and control procedures.
- Keep ACR management informed on degree of risk in various portfolios, particularly the more complex and/or specialized portfolios. Clearly communicate sensitive issues at the highest level of bank management.
- Promote teamwork within ACR, as well as with other bank units. Foster collaborative working relationships with lending unit management and Credit Administration.
- Contribute to the development and mentoring of junior ACR team members. Serve as a role model and ambassador for the ACR department in all stakeholder interactions.
- Lead or contribute to special projects as needed.
- A BA or BS degree; MBA or other advanced degree or certification is a plus.
- 8+ years of experience in banking or credit-related fields; significant prior lending, credit risk management, credit review, regulatory supervision, or similar experience required.
- Strong credit/financial statement analysis skills, a solid understanding of business and financial markets and the effects of economic conditions on the Bank's risk assets.
- Ability to analyze portfolio trends at a macro level, identifying signs of changing risk levels and/or symptoms of process control breakdowns.
- Broad knowledge of project & structured finance, leasing and securitization throughout the US, Canada, Latin America and Asia. Comprehensive experience of current regulatory and risk management techniques required.
- Strong leadership, collaboration and influencing skills. Comfort communicating difficult messages to senior audiences firmly yet professionally. Constructive, solution orientation / mindset.
- Track record of developing, motivating and leading teams of 2-6 people preferred.
- Effective communication skills, both oral and written. Ability to interact effectively with unit managers, lending officers, unit support staff, credit administrators and all levels of ACR and bank management.
- Strong attention to detail and high commitment to quality.
- Willingness to travel 10-20% if needed.
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 in employment decisions on the basis of any protected category.
A conviction is not an absolute bar to employment. Factors such as the age of the offense, evidence of rehabilitation, seriousness of violation, and job relatedness are considered in all employment decisions. Additionally, it's the bank's policy to only inquire into a candidate's criminal history after an offer has been made. Federal law prohibits banks from employing individuals who have been convicted of, or received a pretrial diversion for, certain offenses.
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