Job Description
Overview
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.
About the role :
In your role as Vice President, you will act as a senior ‘credit lead’ within the Front Office Credit Management function of the GCIB-RUIT team in Oceania. Note that although the preferred hire is at the VP level per job description below, we will also be considering less experienced applicants with directly relevant skills, experience and background at the Associate level.
The role is expected to display substantial maturity, experience and deal assessment abilities within the Portfolio team at all times, and to have strong and respectful relationships with the various risk functions. Additional tasks will include project and credit process work however the core role is to manage credit risk for GCIB Oceania within the RUIT stream.
This role is crucial to the ongoing management and leadership within the RUIT stream; you will work closely with market leading RMs and product partners as your customers avail of MUFG products & services.
The broader Credit Management team plays an important role in achieving the Bank’s risk & return targets through conducting annual credit reviews and credit monitoring in accordance with the Bank’s internal procedures. This role plays an integral part of this function through the successful completion of a range of day to day tasks, including : the management of RUIT customer credit & portfolio related requests, periodic review of customer credit and risk profiles, supporting the Relationship Managers and Portfolio Leads to manage credit proposals for new transactions, (incorporating deal structuring, preparing credit submissions, & historical and forward looking financial and industry analysis), supporting the preparation of client presentations and customer account plans, all whilst managing compliance with internal processes and policies and other ad hoc support to the relationship managers.
What you’ll be doing :
This role will lead and manage Credit Management aspects of the RUIT function from either Sydney or Melbourne, including :
Lead the execution of market leading transactions, including leading key aspects of due diligence and credit and underwriting approval processes
Support the on-boarding / origination of new clients as part of our local, regional and global growth plans (i.e. with or without leverage). This may include exposure to our PF business for the same customer base
Support the Portfolio team in managing limit allocation, credit risk vs returns and collating data for portfolio reporting, review and strategy
Develop and foster effective working relationships with other internal teams
Prepare and deliver client presentations, and develop client relationships through deal execution and pitching
Review and negotiate legal documentation including commitments papers and credit agreements
Ensure adequate internal controls are in place to comply with all Bank rules, policies and procedures and relevant regulatory prudential standards and requirements for Australia and New Zealand
What we are looking for :
10+ years’ experience in structured debt role at Commercial Bank, Investment Bank or Fund
We will also consider candidates from chartered accounting firms, advisory houses, investment management or from a treasury team in general corporates
Bachelor's degree in business administration, finance, economics, or a related field
Solid mathematical knowledge, Excel spreadsheet skills, research & analytical skills
Broad Australian industry, business and economic understanding
Be able to engage in independent research & analysis of customers and markets and apply critical thinking and a high level of attention to detail
Strong financial analysis acumen and ability to assess large sets of data, make expert judgment, and identify key risks
The ability to communicate clearly both in writing and verbally
Sound platform of knowledge in each of the following
credit writing
financial analysis and modelling
legal documentation and debt structuring
Self-starter with drive, initiative and enthusiasm
Team player with the ability to work independently and prioritise various work
Previous experience in a leadership role providing guidance and mentorship to a developing team
Our culture :
MUFG fosters a highly professional, supportive work environment that enables our employees to help maximize our customers' prosperity. We focus on building long-term customer relationships and giving back to our communities in order to develop shared and sustainable growth for a better world.
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.
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