Associate, Credit Management

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.

Purpose of Job

• CM is a new function created in each branch across the region, extracting core credit management and risk leadership in the front office functions to a specific front office team.  CM is essential to the efficient and effective leadership of credit risk management and escalation in the front office, and provides full support to our GCIB Coverage and Sector Coverage and AIBD functions, whilst working alongside various teams in APAC region on effective task allocation

• Beyond Leading credit-related accountability workstreams in the first line of defense – and assisting risk teams and first line leadership teams (including CMADBRMD) on current and emerging risk, the core functions include:

  • End to end credit preparation, analysis, review and completion of core credit process

  • Ownership of in country / in sector Watch processes in support of regional CMAD BRMD requirements and expectations

  • Credit and portfolio monitoring, including Eemerging risk analysis by country and sector for material business sectors

  • Credit cost forecasting and management

  • Identity RWA fixes and implement by counterparty issue including direction to MGS as required

• This Role supports GCIB APAC’s objective of (a) ensuring high quality analysis and monitoring of credits continue post origination; with (b) Borrowers’ financial performance, outlook and credit profile assessed and monitored accurately, consistently and in a timely manner – to help identify emerging risks, themes and opportunities which may warrant additional attention / action by key stakeholders – ultimately to drive better risk and return outcomes for the Bank.

• This role is an integral part of this function through the successful completion of a range of day to day tasks by closely working together with MGS and a number of other key stakeholders, including: the management of customer credit & portfolio related requests, periodic review of customer credit and risk profiles, supporting the Relationship Managers and Portfolio Leaders on the credit approval process of new transactions (incorporating deal structuring and documentation, preparing credit submissions, historical and forward looking financial and industry analysis etc.), covenant and other credit control monitoring the preparation of client presentations and customer account plans and managing compliance with internal processes and policies as well as other ad hoc support for Relationship Managers and the Head of CM.

Job Responsibilities:

Strategic       

Strategy and Focus: This role supports the ongoing growth & portfolio management of customers within Hong Kong.  

Customer Acquisition: Support the on-boarding/origination of new clients as part of our local, regional and global growth plans.

Financial

No specific financial responsibilities.  The core role is to support the CM team in conjunction with the Coverage Team Members.

Customer

Management of customer requests: Support the Relationship Managers in managing customer needs. 

Direct customer engagement and support: The role will at times have direct engagement with customers, and the employee is expected to be proactive, responsive and supportive at all times.

People:

Collaboration: Develop and maintain strong relationships with coverage team members, product partners and across the network, including MGS,  (offshore coverage, sector, and credit and portfolio teams).

Teamwork: The role will work across a broad range of GCIB members, including RM, sector, product and portfolio teams, Credit, and KYCBRMD, and at all times the employee will demonstrate a proactive, solution-driven and positive approach.

Risk: Trust and faith from our risk representatives is crucial.

Other/ Control:

Account Management:  The role will be responsible for supporting preparing credit analysis independently across a portfolio of clients with a focus on credit quality monitoring and the achievement of the Bank’s risk / return targets through:

• conducting annual credit reviews and internal rating reviews;

• covenant compliance monitoring;

• supporting refinancing and other revenue initiatives across the portfolio;

• coordinating within the MUFG network;

• client interactions on tasks required for on-boarding and account management; andany other required tasks in accordance with the Bank’s policies and procedures and required to support the broader business

Portfolio Management: 

• Support the portfolio team in the management of the wider portfolio, including a focus on sector risk / return and other strategic review processes. 

Qualification & Experience

The ideal candidate should have:

• Solid mathematical knowledge, strong financial analysis acumen, proficiency in Microsoft Office, in particular Microsoft Excel.

• Solid / intermediate skills in: (a) credit writing; (b) financial analysis and modelling; and (c) legal documentation and debt structuring.

• Possess an understanding of financial and economic markets in Hong Kong and China

• Be able to engage in independent research & analysis of customers and markets and apply critical thinking and a high level of attention to detail;

• The ability to communicate clearly both in writing and verbally.

We are looking for someone who:

• Has strong interpersonal and presentations skills;

• Is a team player;

• Is a self-starter who applies initiative and has drive and enthusiasm;

• Has an analytical mindset and problem solving skills;

• Has the ability to work independently and prioritize a number of tasks across various work streams and alongside a number of stakeholders.

Education & Professional Qualifications:

• University graduate. A degree in business, commerce or law and CFA qualification will be an advantage.

Length & Type of Experience:

• Minimum 2-5 years’ experience in corporate and institutional lending / debt advisory at a major bank or chartered accounting firm.

• Candidates from credit rating agencies, advisory houses, investment management firms or corporate treasury teams will also be considered

Mitsubishi UFJ Financial Group (MUFG) is an equal opportunity employer. We view our employees as our key assets as they are fundamental to our long-term growth and success. MUFG is committed to hiring based on merit and organsational fit, regardless of race, religion or gender.