Vice President, EMEA Credit Review

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.

With a vision to be the world’s most trusted financial group, it’s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career. Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.

MUFG (Mitsubishi UFJ Financial Group) is one of the world's leading financial groups. Headquartered in Tokyo and with approximately 350 years of history, MUFG is a global network with around 2,300 offices in over 50 countries including the Americas, Europe, the Middle East and Africa, Asia and Oceania, and East Asia. The group has over 150,000 employees, offering services including commercial banking, trust banking, securities, credit cards, consumer finance, asset management, and leasing.

As one of the top financial groups globally with a vision to be the world's most trusted, we want to attract, nurture and retain the most talented individuals in the market. The size and range of MUFG's global business creates opportunities for our employees to stretch themselves and reap the rewards, whilst our common values, to behave with integrity and responsibility, and to build a culture which is fair, transparent, and honest, underpin everything that we do.

We aim to be the financial partner of choice for our clients, whatever their requirements, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.

MUFG’s shares trade on the Tokyo, Nagoya, and New York (NYSE: MTU) stock exchanges. The group’s operating companies include, but are not limited to, Bank of Tokyo-Mitsubishi UFJ, Mitsubishi UFJ Trust and Banking (Japan's leading trust bank), Mitsubishi UFJ Securities Holdings (one of Japan's largest securities firms), and MUFG Americas Holdings. Please visit our website for more information -

EMEA Credit Review (ECR), as a part of the Internal Audit (EIA) Bank’s third Line of Defence, provides independent assurance to the Board and Executive Management on the quality of the credit portfolio and underlying sectors and individual obligors and associated aspects of credit risk management, including the accuracy and timeliness of approved internal ratings.

• Credit Review Senior Managers will have strong subject matter expertise in credit risk assessment and analysis.
• They will lead and participate in ECR reviews/engagements, including all elements of planning execution and reporting, within approved budgets and timelines.
• Assess the appropriateness and effectiveness of credit risk management of obligors in a variety of sectors/ regions and opine on the accuracy and timeliness of internal ratings, as well as, the identification and management of facility risks by the 1st and 2nd line of defence.
• Maintain constructive relationships with assigned stakeholders and undertake continuous monitoring of assigned credit portfolio(s) and report on the results ensuring a proactive, transparent and impactful approach to the monitoring of credit risk and escalation of issues.
• Prepare Risk Assessments for Examinable Entities (EE) focusing on the inherent risk and control environment factors which drive the residual risk for each EE.
• Where required, perform a review and assessment of credit cost and provisioning for underperforming assets.
• Proactively collaborate with relevant colleagues in EIA and global third line to ensure comprehensive view and communication of emerging risks and associated actions which may be required.

• Perform the review, debate and challenge of borrower ratings…