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Overview of CIB Credit for EMEA (“CIB Credit”) :
The Credit Office for EMEA (ECrO) is a credit division responsible for corporate banking credit for non-Japanese corporates, non-Japanese Financial Institutions (FIs) and non- Japanese Sovereigns (collectively Global Corporates).
Its major functions are outlined as follows:
1. Assessment and management of credit risks and related risks
2. Assessment and management of country risks
3. Management of problematic assets
4. Monitoring, reporting and early action
5. Portfolio analysis and management
Main Purpose of the Role
6. To support the ECrO Group Heads and General Managers to develop and maintain a sound portfolio within the credit appetite of the EMEA region, and in line with regulatory requirements.
7. To assess the credit of obligors in specific sectors/ regions and make recommendations on borrower ratings and transactions for decision-making by relevant senior management with discretionary authority.
Key Responsibilities
8. Specifically, you will be accountable and responsible for taking appropriate action with respect to the Energy Sectors:Reviewing credit applications received and making recommendations to senior management on transaction specific files as well as continuously and actively monitoring the portfolio in line with internal policies and applicable regulatory guidelines. Ensure a high quality of written and verbal work.Responsible for making balanced, timely and thoughtful credit decisions within the firm’s risk appetite.Responsible for proactive solutions driven engagement with front line on deal specific and/or strategic developments through guidance, direction, feedback and identification of red flags or breaches of internal guidelines and policies. Escalating issues to Directors or the team head as appropriate.Responsible as a VP within CIB Credit for EMEA for supporting strategic initiatives.Responsible for developing knowledge of the various types of industries, sectors, countries, players and financial and legal structures within Energy Sectors and commitment to further learning.Demonstrate the Risk Culture Pillars; taking accountability for identifying and mitigating risk; actively managing risk within the department; remaining curious by taking proactive ownership; role modelling the risk partnership with colleagues in 1LOD and 2LOD; and being willing to challenge existing practice and be proactive and positive to change.Responsible for representing the credit division at internal forums within the region.
Work Experience
9. Credit experience in a global banking environment, corporate banking or investment banking institution.
Skills and Experience
Functional / Technical Competencies:
Essential
10. In depth knowledge of credit and risk principles, products and management.
11. Strong analytical skills with ability to identify key issues.
12. Ability to communicate both in writing and verbally clearly and concisely.
Preferred: experience in handling problem credits
Education / Qualifications:
13. Bachelor degree or equivalent
Personal Requirements
14. Excellent communication skills
15. Results driven, with a strong sense of accountability
16. A proactive, motivated approach.
17. The ability to operate with urgency and prioritise work accordingly
18. Strong decision making skills, the ability to demonstrate sound judgement
19. A structured and logical approach to work
20. Strong problem solving skills
21. A creative and innovative approach to work
22. Excellent interpersonal skills
23. The ability to manage large workloads and tight deadlines
24. Excellent attention to detail and accuracy
25. A calm approach, with the ability to perform well in a pressurised environment
26. Strong numerical skills
27. Excellent Microsoft Office skills
We are open to considering flexible working requests in line with organisational requirements.
MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.
We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.