MUFG Union Bank Vice President - Senior Credit Examiner in Tempe, Arizona
Vice President - Senior Credit Examiner - 10043550-WD
Do you want your voice heard and your actions to count?
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world (as ranked by S&P Global, April 2020). In the Americas, we’re 13,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, developing positive relationships built on integrity and respect. It’s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. We’re a team that accepts responsibility for the future by asking the tough questions and owning the solutions. Join MUFG and be empowered to make your voice heard and your actions count.
Job Summary :
Credit Review provides executive management and the Board of Directors with an independent view of asset quality and credit risk management across all businesses or functions that create or manage credit exposure. The position covers credit exposure originated or managed in the United States, Canada, and Latin America.
The incumbent will be part of a team that conducts comprehensive independent assessments of assigned Business Units’ asset quality and effectiveness of controlling credit risk. This will include evaluating the depth, accuracy and timeliness of Business Units’ credit analyses, risk ratings and regulatory classifications, adherence to MUFG’s policies, procedures and underwriting guidelines, ongoing credit surveillance activities, and problem loan management. The Senior Credit Examiner is expected to lead certain exams as the Examiner-In-Charge (EIC) and contribute to other EICs’ exams. The candidate is expected to perform continuous monitoring activities of assigned portfolio(s). Senior Credit Examiners will periodically report findings to ACR and Business Unit senior management. The incumbent will collaborate with other team members and contribute (or lead) special projects as needed.
Major Responsibilities :
Oversee and report on ACR’s ongoing surveillance of credit risks.
Lead asset quality / loan review examinations.
Monitor and assess portfolios including review of compliance with policies, guidelines, and regulations.
Analyze individual credits, adherence to approval conditions, accuracy of risk grades and documents. Analyze financial statements, projections, and industries.
Write high quality, concise reports. Articulate appropriate risk management ratings and significant issues. Follow up with Business Unit management for satisfactory completion of outstanding issues.
Provide technical guidance to units on credit policies and control procedures.
Sills & Experience :
A BA or BS degree; MBA or other advanced degree or certification is a plus.
8 years of banking or credit-related experience; significant prior lending, credit risk management, credit review, regulatory supervision, or similar experience.
Strong credit/financial statement analysis skills, a solid understanding of business and financial markets and the effects of economic conditions on the Bank's risk assets.
Ability to analyze portfolio trends at a macro level, identify signs of changing risk levels and/or symptoms of process control breakdowns.
Broad knowledge of Oil & Gas, Project Finance, Power & Utilities, Asset Based Lending, Leasing and Structured Finance throughout the U.S., Canada, Latin America and Asia. Comprehensive experience of current regulatory and risk management techniques required.
Effective oral and written communication skills.
The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.
We are proud to be an Equal Opportunity / Affirmative Action Employer and committed to leveraging the diverse backgrounds, perspectives, and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate in employment decisions on the basis of any protected category.
A conviction is not an absolute bar to employment. Factors such as the age of the offense, evidence of rehabilitation, seriousness of violation, and job relatedness are considered in all employment decisions. Additionally, it's the bank's policy to only inquire into a candidate's criminal history after an offer has been made. Federal law prohibits banks from employing individuals who have been convicted of, or received a pretrial diversion for, certain offenses.
Job : Risk
Primary Location : ARIZONA-Tempe
Other Locations : NEW YORK-New York, NORTH CAROLINA-Charlotte
Job Posting : May 4, 2021, 4:47:34 PM
Shift: : Day
Schedule: : Full Time
Req ID: 10043550-WD