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MUFG Credit Risk Manager I - VP in Toronto, Ontario

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 120,000 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.

Active portfolio management of designated customers

  • Responsible for the management of the Energy portfolio (Oil & Gas, Power) as a credit officer

  • Analyze credit risk of the designated portfolio, determine accurate ratings and make recommendations of accurate and timely ratings to management

  • Prepare detailed credit analysis and credit applications in accordance with appropriate policies and procedures, evaluating the borrower’s industry/business/legal/financial risks and recommending extensions of credit to management

  • Collaborate productively with the business line to manage safety and soundness while developing the portfolio

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

  • Perform due diligence and regularly scheduled reviews

  • Ensure compliance with external regulatory/internal policy and procedural requirements

  • Support and mentor analysts and associates in credit risk management process

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.

  • Advises account officers on credit risk issues/terms and conditions to create a best possible deal with a goal of maximizing profit and minimizing credit cost.

  • Directly and independently communicate with credit division and ensure it is provided with all related information/analysis pertinent to making a decision with little support from management.

Preferred Qualifications

  • 5+ years’ experience at financial institutions or equivalent in credit and/or portfolio management of corporates within the Energy sector.

  • In depth knowledge of general corporate credit analysis, credit/risk management, underwriting leveraged loans and conducting valuation analysis

  • Ability to build complex financial models to assess the customer’s repayment ability.

  • In depth knowledge of loan documentation and structural risks in corporate finance.

  • Understanding of regulatory environment both in Japan (FSA, BOJ) and the U.S. (FRB, FDIC).

The job description and related application pertains to an opportunity with either MUFG Bank, Ltd., Canada Branch (“MUFG Bank Canada”) or MUFG Securities (Canada), Ltd. (“MUFG Securities Canada”). The job description relates to the general nature, scope, quantity and quality of work contemplated for the position. Other duties and responsibilities not specifically described may be assigned from time to time, consistent with knowledge, skills and abilities of the incumbent. The receipt of an application by either MUFG Bank Canada or MUFG Securities Canada, as applicable, does not imply or guarantee employment.

Each of MUFG Bank Canada and MUFG Securities Canada is an equal opportunity employer.

• As a federally regulated entity, MUFG Bank Canada is required to comply with applicable laws which prohibit discrimination based on protected grounds and which require accommodation to individuals in accordance with the requirements outlined in the Canadian Human Rights Act and the Canada Labour Code. Where MUFG Bank Canada obtains information relating to protected grounds under the Canadian Human Rights Act as part of the application process, it does so to monitor and otherwise evaluate its own compliance with such legislation and associated regulatory requirements; MUFG Bank Canada does not use such information for decision making purposes relating to the position contemplated in this application.

• As a provincially regulated entity, MUFG Securities Canada is required to comply with applicable laws which prohibit discrimination based on protected grounds and which require accommodation to individuals in accordance with the requirements outlined in the Human Rights Code (Ontario) and the Employment Standards Act (Ontario). Where MUFG Securities Canada obtains information relating to protected grounds under the Human Rights Code (Ontario) as part of the application process, it does so to monitor and otherwise evaluate its own compliance with such legislation and associated regulatory requirements; MUFG Securities Canada does not use such information for decision making purposes relating to the position contemplated in this application.

At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!

Our Culture Principles

  • Client Centric

  • People Focused

  • Listen Up. Speak Up.

  • Innovate & Simplify

  • Own & Execute

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