Bilingual Credit Risk Associate Mitsubishi UFJ Financial Group - MUFG in Los Angeles, CA

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

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.

Location: Los Angeles, CA
Time Type: Full time

Portfolio management for designated customers. Responsible for underwriting and portfolio management of Japanese Corporate loan portfolio clients. Focusing on subsidiary lending, designated customers will involve complex relationships focusing on non‑investment grade clients, customers with large credit exposure, structured finance transactions, and customers with complex corporate structures.

• Portfolio Management & Underwriting
  • Perform due diligence and regularly scheduled credit reviews.
  • Analyze credit risk of the designated portfolio, determine accurate ratings and make recommendations to management; designated customers include lower graded customers, customers with large credit exposure, structured finance transactions, and complex corporate structures.
  • 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.
  • Manage deadlines and workload in accordance with the schedule.
  • Function as a subject matter expert with regard to particular industries and industry subsectors.
  • Fully understand and be able to assess risk of standard bank products including loans, standby letter of credit, trade finance, foreign exchange, derivatives, securitization, and lease.
  • Interview the borrower’s senior management to assess their business/financial risks/challenges. 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.
• Deal Support
  • 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. Experienced associates can identify structural risks and mitigants in prospective transactions and recommend/enhance structuring of deals and covenants in line with policies and procedures. Manager will periodically check in, however, associates can also make appropriate judgement when to elevate/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.
  • While closely consulting with manager, communicate with credit division/administration with regard to rating rationale, facility structuring/exposures and ensure credit division provided with all credit related information and analysis pertinent to making a decision.
• Policy Compliance
  • Ensure compliance with external regulatory requirements (JFSA, BOJ, FRB, OCC and FDIC).
  • Ensure compliance with internal policy and procedures by understanding and adhering to Americas Credit Standards, Americas Credit-Related Procedures, Credit Rules, Procedures for Credit Ratings, JCB Operating Manual, and any other applicable pronouncements.
• Support Dept. managers in credit risk management process
  • Support junior analysts on OJT basis as assigned by the manager (experienced associate).
  • Study, develop and improve analytical skills through close communication with related divisions, such as Americas Credit Review, Credit departments, Credit Policy Office…