Vice President Credit Manager

MUFG Americas; City Of London; On-site; GBP 50,000 - 70,000; Full time

Job summary

A leading financial institution is seeking an experienced professional in London for credit management within the Energy Sectors. The ideal candidate will review credit applications, monitor portfolios, and make informed credit decisions. Applicants should possess strong analytical skills and a Bachelor's degree. This role offers opportunities for impactful decision-making in a dynamic environment.

Qualifications

• Credit experience in a global banking environment or investment banking institution.
• In-depth knowledge of credit and risk principles.
• Ability to communicate clearly in writing and verbally.

Responsibilities

• Review credit applications and make recommendations to management.
• Monitor portfolio in line with internal policies and guidelines.
• Make balanced credit decisions and identify potential risks.

Skills

Analytical skills

Communication skills

Problem-solving skills

Numerical skills

Education

Bachelor's degree or equivalent

Tools

Microsoft Office

Job description

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.

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:

• 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

Main Purpose of the Role

• 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.
• 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

• 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

• Credit experience in a global banking environment, corporate banking or investment banking institution.
  

Skills and Experience

Functional / Technical Competencies:

Essential

• In depth knowledge of credit and risk principles, products and management.
• Strong analytical skills with ability to identify key issues.
• Ability to communicate both in writing and verbally clearly and concisely.

Preferred: experience in handling problem credits

Education / Qualifications:

• Bachelor degree or equivalent

Personal Requirements

• Excellent communication skills
• Results driven, with a strong sense of accountability
• A proactive, motivated approach.
• The ability to operate with urgency and prioritise work accordingly
• Strong decision making skills, the ability to demonstrate sound judgement
• A structured and logical approach to work
• Strong problem solving skills
• A creative and innovative approach to work
• Excellent interpersonal skills
• The ability to manage large workloads and tight deadlines
• Excellent attention to detail and accuracy
• A calm approach, with the ability to perform well in a pressurised environment
• Strong numerical skills
• 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.