MUFG US | Bilingual Credit Risk Associate for Japanese Corporate Banking in Los Angeles, CA

Responsibilities

• Function as a subject matter expert with regard to particular industries and industry subsectors.
• This role may also be eligible for certain discretionary performance-based bonus and/or incentive compensation.
• The major responsibilities listed above are the material job duties of this role for which the Company reasonably believes that criminal history may have a direct, adverse and negative relationship potentially resulting in the withdrawal of conditional offer of employment, if any.
• Responsible for the underwriting and portfolio management of Japanese Corporate loan portfolio clients.
• Perform due diligence and regularly scheduled credit reviews.
• Manage deadlines and workload in accordance with the schedule.
• Maintain direct communication with assigned customers, if needed by RM (relationship manager).
• Coordinate and communicate critical account information to various related parties throughout the bank.
• Oversee covenants compliance, facility due date, condition/instruction/report required, and call memos.
• Perform other risk related functions as needed.
• Work with business lines/product groups to identify prospective transactions.
• Lead new deals with moderate complexity for both existing and new customers from the credit underwriting perspective with moderate supervision.
• Manager will periodically check in, however, associates can also make appropriate judgement when to escalate/consult with the manager where necessary.
• Advise account officers on credit risk issues, terms and conditions to craft the best possible deal with the goal of improving profit and minimizing credit cost.
• Ensure compliance with external regulatory requirements (JFSA, BOJ, FRB, OCC and FDIC).
• Support Dept. managers in credit risk management process.
• Support junior analysts on OJT basis as assigned by the manager (experienced associate).
• Assist managers in the training efforts.
• Maintain and monitor compliance reporting requirements.
• Prepare detailed credit analysis and credit applications in accordance with Bank’s credit policies and procedures such as Americas Credit Standards, Americas Credit-Related Procedures, Credit and JCB’s internal operating manuals, evaluating the borrower’s industry, business, legal and financial risks, and recommend extensions of credit.

Requirements include

• Experienced associates can identify structural risks and mitigants in prospective transactions and recommend/enhance structuring of deals and covenant in line with policies and procedures.
• Ability to multi-task and work under high stress and time-sensitive work environment.
• Strong time management skills; attentive to details for accuracy and integrity.
• Strong organization skills and ability to manage multiple projects.
• Proficient in MS Office including Outlook, Word, Excel and PowerPoint. Knowledge in banking applications is a plus.
• Sound knowledge in finance, accounting, legal, regulations for commercial banking products.
• Previous experiences including handling a segment of an industry vertical or a primarily investment grade commercial loan portfolio and coordinating with execution team for proper booking of newly assigned accounts, preferred.
• The typical base pay range for this role is between $90K - $129K depending on job-related knowledge, skills, experience and location.
• They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.

MUFG US

MUFG US is an employer hiring in India.

Its finance, accounts, audit and tax openings in India are mostly in New York, Tampa, Los Angeles and Irving.