Credit Examiner, Vice President
Company: MUFG
Location: Goodyear
Posted on: January 11, 2021
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Job Description:
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, were 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. Its part of our
culture to put people first, listen to new and diverse ideas and
collaborate toward greater innovation, speed and agility. Were 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.D escription:Credit
Review is a key department within MUFGs third line of defense. Our
mission is to provide executive management and the Board of
Directors with an independent view of asset quality and credit risk
management practices across all businesses or functions that create
or manage credit exposure. The team is comprised of seasoned risk
management professionals with deep credit analysis and transaction
skills across wholesale and investment banking, capital markets,
commercial, and consumer banking domains.Credit Review is a global
function with four primary hub locations in London, Tokyo,
Singapore and New York. Each location operates as a standalone
department covering its respective geographic region with dual
accountability to local legal entity Board committees as well as to
global Credit Review department leadership in Tokyo.The position
being offered resides within the Americas Credit Review (ACR)
department which provides coverage for credit exposure originated
or managed in the United States, Canada and Latin America.Job
Summary:The incumbent will be responsible for conducting
comprehensive assessments of assigned Business Units asset quality
and the effectiveness of their processes for controlling credit,
trading and associated concentration risks. This will include but
is not limited to evaluating the depth, accuracy and timeliness of
Business Units credit analyses, risk ratings and regulatory
classifications, adherence to MUFGs policies, procedures and
underwriting guidelines, ongoing credit surveillance activities,
and problem loan management activities. The Senior Credit Examiner
is expected to lead certain exams as the Examiner In-Charge (EIC)
and in other cases contribute on other EICs exams. The candidate
also is expected to perform continuous monitoring activities over
her assigned portfolio(s) in between scheduled exams and in
accordance with ACRs policies and procedures. Senior Credit
Examiners will periodically report findings to ACR and Business
Unit senior management on both an examination basis as well as
through continuous monitoring. The incumbent also is expected to
contribute to the advancement of ACR by collaborating with other
team members and contributing (or leading) special projects as
needed.Major Responsibilities:Risk Evaluation & Monitoring
(REM)Oversee ACRs ongoing surveillance of the credit risks in
assigned portfolio(s) according to ACR requirements and provide
periodic reports of results to senior management.Lead asset quality
/ loan review examinations, review and opine on team member
transaction reviews, and provide assurance on the completeness and
accuracy of examination activities to senior management.Analyze
individual credits and/or credit relationships, adherence to
approval conditions, accuracy of risk grading and adequacy and
accuracy of documentation. Analyze financial statement trends,
projections and research industry to identify potential risk within
portfolios.Prepare timely, concise reports which articulate
appropriate risk management ratings and significant issues
observed. Follow up with the Business Unit management for
satisfactory completion of outstanding issues raised by internal
and external examiners.Develop dynamic, ongoing and risk based
monitoring and examination programs. Monitor risk asset portfolios
to identify deterioration or negative management control trends and
review compliance with policies, guidelines and regulations.Prepare
periodic Risk Profile & Monitoring Plans for assigned portfolio(s)
to outline key risk factors and allocate appropriate resources to
monitoring those risks. Identify and evaluate the effectiveness of
credit risk process controls.Evaluate MIS data and identify adverse
trends of leading and lagging performance
indicators.Communication:Write high quality, concise and
informative reports following ACR report standards and guidelines
for senior management and internally to support REM results and
examination findings.Maintain effective and open communication with
internal and external bank line and staff personnel. Provide
technical guidance to units on credit policies and control
procedures.Keep ACR management informed on degree of risk in
various portfolios, particularly the more complex and/or
specialized portfolios. Clearly communicate sensitive issues at the
highest level of bank management.Teamwork:Promote teamwork within
ACR, as well as with other bank units. Foster collaborative working
relationships with lending unit management and Credit
Administration.Contribute to the development and mentoring of
junior ACR team members. Serve as a role model and ambassador for
the ACR department in all stakeholder interactions.Lead or
contribute to special projects as needed.Q ualifications :A BA or
BS degree; MBA or other advanced degree or certification is a
plus.8+ years of experience in banking or credit-related fields;
significant prior lending, credit risk management, credit review,
regulatory supervision, or similar experience required.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, identifying signs of changing risk levels
and/or symptoms of process control breakdowns.Broad knowledge of
project & structured finance, leasing and securitization throughout
the US, Canada, Latin America and Asia. Comprehensive experience of
current regulatory and risk management techniques required.Strong
leadership, collaboration and influencing skills. Comfort
communicating difficult messages to senior audiences firmly yet
professionally. Constructive, solution orientation / mindset.Track
record of developing, motivating and leading teams of 2-6 people
preferred.Effective communication skills, both oral and written.
Ability to interact effectively with unit managers, lending
officers, unit support staff, credit administrators and all levels
of ACR and bank management.Strong attention to detail and high
commitment to quality.Willingness to travel 10-20% if needed.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.by Jobble
Keywords: MUFG, Goodyear , Credit Examiner, Vice President, Executive , Goodyear, Arizona
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