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MUFG · 15 hours ago

Securitized Products Credit Risk Manager, Vice President

New York, NY

Full-time

Hybrid

Mid, Senior Level

$150K/yr - $200K/yr

6+ years exp

Mitsubishi UFJ Financial Group (MUFG) is one of the world’s leading financial groups, striving to make a difference for every client and community served. The Securitized Products Credit Risk Manager will oversee credit risk underwriting and management for Securitized Products, ensuring compliance and providing credit recommendations while actively monitoring portfolios.

Financial Services

Responsibilities

Responsible for implementation of the credit risk underwriting and management function for Securitized Products, providing recommendations to the credit authority

Evaluate credit proposals and business screening memos to make written credit recommendations to management

Identify structural risks and mitigants in prospective transactions and recommend/enhance structuring of deals and covenants in line with underwriting guidelines

Review cash flow models and conduct data analysis, including collateral stratification, historical performance, loss projection and derivation of expected case losses

Advise origination team on credit risk issues/terms and conditions to create the best possible deal with a goal of maximizing profit and minimizing credit cost

Directly and independently communicate with other credit divisions to obtain necessary information/comments to support making a credit decision

Responsible for the monitoring and ongoing credit review of individual accounts through regular/ad-hoc credit review process

Evaluate credit review applications of the designated portfolio, determine accurate ratings and make recommendations of accurate and timely ratings to management

Conduct due diligence and attend bank/customer meetings as required

Coordinate and communicate critical account information independently and directly to various related parties throughout the bank, business line, product groups and credit divisions

Responsible for market research and producing portfolio presentations for management

Ensure compliance with external regulatory/internal policy and procedural requirements

Participate in ad-hoc policy meetings to enhance organization wide credit risk framework

Perform related duties and participate in special assignments and projects as required

Qualification

CreditRisk principlesSecuritized Products experienceCash flow analysisCredit writing skillsLegalCompliance knowledgeTime-management skillsTeam playerOrganizational skills

Required

In-depth knowledge of all elements of Credit and Risk principles

Previous working experience in financial institutions or related sectors, preferably in Securitization Credit, Ratings or Risk related function

6 or more years of Securitized Products credit and/or structuring experience, primarily covering Flow/Non-Flow ABS or Trade Receivables, with knowledge in Private Credit, Middle Market Loans or CLO's a plus

Strong knowledge in structuring and cash flow analysis of ABS asset classes

Strong credit writing skills with ability to explain transaction structures to management

Knowledge of legal and compliance regulations and accounting rules pertinent to securitized lending

Good time-management skills and ability to multi-task, team player, strong organizational skills