Bilingual Credit Risk Analyst for Japanese Corporate Banking - Hybrid Los Angeles, CA

Do you want your voice heard and your actions to count?

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 7th largest financial group in the world. Across the globe, we’re 160,000 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.

This is a hybrid position. The selected colleague will work at an MUFG office or client sites up to four days per week and work remotely the remaining day(s). A member of our Talent Acquisition team will provide more details.

Do you want your voice heard and your actions to count?

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 7th largest financial group in the world. Across the globe, we’re 160,000 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.

This is a hybrid position. The selected colleague will work at an MUFG office or client sites up to four days per week and work remotely the remaining day(s). A member of our Talent Acquisition team will provide more details.

Job Summary:

• Junior Corporate Credit Risk Professional supporting commercial lending & investment banking business primarily to US subsidiaries of Japanese corporate customers.
• Critical function of analyzing credit risks of the customers and determining risk ratings based on internal procedures / policies and guidelines with support from senior portfolio manager.
• Responsible for active credit management of a designated portfolio utilizing solid credit skills & judgment, making timely and accurate recommendations to management on credit exposure & risk ratings.
• The accounts assigned might be less complicated in types of business or deal structures than those assigned to senior portfolio manager.

Major responsibilities: 

Active Portfolio Management of Designated Customers under the Guidance of Senior Portfolio Managers

• Manage a designated portfolio of Japanese corporate credit customers.
• Perform due diligence and scheduled reviews regularly.
• Analyze credit risk of the designated portfolio, determine accurate ratings, and make recommendations of accurate and timely ratings to management with support from senior portfolio manager.
• Prepare detailed credit analysis and credit applications in accordance with Americas Credit Policy, Americas Credit-Related Procedures, Credit Rules, and JCB Credit Operating Manual, evaluating the borrower’s industry / business / legal / financial risks and recommending extensions of credit to management.
• Basic cash flow modeling skills and understanding of assigned industries / industry sub-sectors are required, and maintain most updated knowledge on the industries through internal / external sources and direct communication with the customers.
• Able to understand and assess risk of standard bank products such as loans, stand-by LC, trade finance, forex, derivatives, and securitization.
• Maintain direct communication with assigned customers.
• Oversight of covenants compliance, facility due date, condition / instruction / report required.
• Responsible for coordinating and communicating account information to internal auditors and external regulators (e.g., FRB, FSA, BOJ, SNIC, OCC).
• Ongoing training to enhance the all-around skill sets of a portfolio manager.
• Perform other related functions as assigned.

Deal Support

• Work with business lines / product groups to identify prospective transactions.
• Identify structural risks and mitigants in prospective transactions and recommend / enhance structuring of deals and covenant in line with policies and procedures.
• Advise relat