Vice President Credit Manager, Securitisation

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.

ECrO is a 2nd Line of Defence (2

LoD) function responsible for corporate banking credit for non‑Japanese corporates, non‑Japanese FIs, and non‑Japanese Sovereigns (collectively Global Corporates).

• Assessment and management of credit risks and related risks
• Assessment and management of country risks
• Management of problematic assets
• Monitoring, reporting and early action
• Portfolio analysis and management

SFCO (formally known as Investment Banking Credit Division) is a 2

LoD function responsible for analysing, approving, sanctioning and monitoring the credit quality of structured finance transactions, including:

• Project Finance
• Structured Trade Finance
• Aircraft Finance
• Asset‑backed Finance (inc. Securitisation)

SFCO is a global department with offices in Tokyo, New York, Los Angeles, Singapore and London. The London office (SFCO EMEA) is responsible for the EMEA region and works closely to ensure global consistency in credit approvals.

N/A

• Review securitisation credit applications and make balanced, timely and thoughtful credit decisions within the firm’s risk appetite, or make recommendations to senior management, depending on approval authorities.
• Provide proactive solutions by engaging front line on deal‑specific and/or strategic developments, offering guidance, direction, feedback and identifying red flags or breaches of internal guidelines and policies.
• Support Group Heads in developing the CIB Credit for EMEA’s credit risk framework, risk appetite portfolio monitoring and early warning frameworks in line with shareholder, client and regulatory expectations.
• Continuously monitor the portfolio in line with internal policies and applicable regulatory guidelines, and report findings to senior management.

• Review credit applications and recommend to senior management, ensuring high quality written and verbal work.
• Make balanced, timely and thoughtful credit decisions within the firm’s risk appetite.
• Engage proactively with front line on deal‑specific and strategic developments, providing guidance, direction and feedback, and escalating issues to Directors or team head as appropriate.
• Support strategic initiatives within CIB Credit for EMEA.
• Develop knowledge of relevant industries, sectors, countries, players and financial and legal structures within securitisation; commit to further learning.
• Demonstrate the Risk Culture Pillars by identifying and mitigating risk, actively managing risk within the department, taking proactive ownership, role‑modeling the risk partnership with colleagues in 1
  
  LOD and 2
  
  LOD, and challenging existing practice.
• Represent the credit division at internal forums within the region.

• Essential:
  Substantial (5+ years) experience in a credit or structuring role in securitisation transactions.
• Essential:
  Detailed knowledge of a range of asset classes including auto & consumer credit, RMBS and trade receivables.
• Essential:
  Sound knowledge of working‑capital (receivables/asset‑backed) transactions and other structured products.
• Essential:
  Experience working in financial institutions carrying out credit work for corporate and/or structured finance area.
• Essential:
  Adequate experience in corporate banking and/or structured finance.
• Preferred:
  Proven experience in investment banking in credit or front office.
• Preferred:
  Credit, rating agency, legal or accounting background.

• Functional / Technical Competencies – Essential:
  • Sufficient credit assessment and credit risk management skills.
  • Thorough knowledge of credit, risk management, market and legal aspects of securitisation.
  • Relevant industry experience with a deep area of credit specialism.
  • In‑depth knowledge of credit and risk principles, products, derivatives and management.
  • Experience dealing with regulatory audits associated to credit.
  • Advanced interpersonal skills and experience communicating to…