Credit Risk Manager, Vice President

Mitsubishi UFJ Financial Group; Toronto; On-site; CAD 100,000 - 130,000; Full time

Job summary

A leading financial institution in Toronto is seeking a Credit Risk Manager, Vice President. The role involves managing a portfolio, performing credit analysis, and ensuring compliance with regulations. Candidates should have over 6 years of experience in credit and risk functions, and be proficient in financial modeling and due diligence. This position offers a collaborative environment focused on innovation and agility.

Qualifications

• 6+ years experience in credit and risk related functions.
• Minimum 3 years analyzing financial institutions.
• In-depth knowledge of corporate credit analysis.
• Ability to build complex financial models.

Responsibilities

• Manage a portfolio as a credit officer.
• Perform due diligence and reviews.
• Analyze credit risk and make recommendations.
• Collaborate with business lines on deal structuring.

Skills

Credit analysis

Credit risk management

Financial modeling

Due diligence

Regulatory understanding

Job description

Join to apply for the Credit Risk Manager, Vice President role at MUFG

Overview

Join MUFG, where being inspired is expected and making a meaningful impact is rewarded. MUFG is a leading financial group with a culture that puts people first and encourages collaboration toward innovation, speed and agility.

Active portfolio management of designated customers

• Responsible for the management of a portfolio as a credit officer
• Perform due diligence and regularly scheduled reviews
• Analyze credit risk of the designated portfolio, determine accurate ratings and make recommendations of accurate and timely ratings to management
• Prepare detailed credit analysis and credit applications in accordance with appropriate policies and procedures, evaluating the borrower’s industry / business / legal / financial risks and recommending extensions of credit to management
• Collaborate productively with the business line to manage safety and soundness while developing the portfolio
• Coordinate and communicate critical account information independently and directly to various related parties throughout the bank, business line, product groups and credit divisions
• Maintain direct communication with assigned customers

Deal Support

• Work with business lines / product groups to identify prospective transactions
• Identify structural risks and mitigants in prospective transactions and recommend / enhance structuring of deals and covenants in line with policies and procedures
• Advise account officers on credit risk issues / terms and conditions to create a best possible deal with a goal of maximizing profit and minimizing credit cost
• Directly and independently communicate with the credit division and ensure it is provided with all related information / analysis pertinent to making a decision with little support from management

Policy Compliance

• Ensure compliance with external regulatory / internal policy and procedural requirements
• Participate in ad-hoc policy meetings to enhance organization wide credit risk framework
• Support and mentor junior analysts in credit risk management process
• Train and support junior analysts as assigned by MD or Team Leader
• Guide junior analysts in completing complex assignments
• Study, develop and enhance analytical skills of the team through close communication

Qualifications

• 6+ years’ work experience at financial institutions or equivalent in credit and risk related function analyzing financial institutions or corporate customers
• Minimum of 3 years’ experience in analyzing financial institutions and conducting due diligence on such clients, developing working relationships with customer’s senior management
• In depth knowledge of general corporate credit analysis, credit and risk management
• Ability to build complex financial modeling to assess the customer’s repayment ability
• In depth knowledge of loan documentation and structural risks in corporate finance
• Understanding regulatory environment both in Japan (FSA, BOJ) and the U.S. (FRB, FDIC)

The job description and related application pertains to an opportunity with either MUFG Bank, Ltd., Canada Branch (“MUFG Bank Canada”) or MUFG Securities (Canada), Ltd. (“MUFG Securities Canada”). The job description relates to the general nature, scope, quantity and quality of work contemplated for the position. Other duties and responsibilities not specifically described may be assigned from time to time, consistent with knowledge, skills and abilities of the incumbent. The receipt of an application by either MUFG Bank Canada or MUFG Securities Canada, as applicable, does not imply or guarantee employment.

Each of MUFG Bank Canada and MUFG Securities Canada is an equal opportunity employer.

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