Credit & Account Management ("CAM") department provides end-to-end support from product onboarding to credit approval of clients' facilities, as well as ongoing monitoring and portfolio management of clients' credit profile within the APAC Global Corporate & Investment Banking division in MUFG Bank Ltd.

CAM is positioned as a trusted partner to the front office where the tasks of navigating internal risk approval processes in compliance with established MUFG policies and procedures will be addressed in a consistent and efficient manner, thus leaving the front office focused on the execution of strategies that support fulfilment of clients' needs and requirements.

CAM supports business units with client accountability that includes sovereign agencies, financial institutions (banks and non-banks), corporates, special purpose vehicles (including non-recourse arrangements) for project finance in the real estate and aviation sectors, as well as specialised commodities finance.

Job Responsibilities:

• Ensure all team deliverables relating to internal client and credit processes within the 1st Line of Defence are executed / implemented within agreed stakeholders expectations;
• Lead due diligence to assess existing internal client and credit processes for continuous improvements and in anticipation of evolving operating conditions for best in class execution to ensure the team maintains ongoing operational excellence;
• Understand products and transactions risk to ascertain the underlying credit risk factors, collateral benefits (where applicable), the appropriate source of repayment, particularly for non-recourse financing structures and advise stakeholders / coach junior members of the team accordingly;
• Manage the day-to-day activities of the team to support and proactively contribute to MUFG's business growth and reduce operational risks
• Ensure accurate, timely and efficient team deliverables in the following areas:-
• Monitoring of covenants, credit ratings, market events, sector trends and client performance as part of ongoing portfolio monitoring duties;
• Support the relationship managers in the preparation and update of client marketing materials;
• Collaborate closely with the Risk / Compliance / Legal departments and external experts on deal matters as appropriate;
• Support (and/or lead where required) the continuous development of:-
• regional/global credit risk frameworks, including the resolution of complex credit processes or credit operational issues;
• standardization and streamlining initiatives to optimize operational efficiency.
• Provide support to credit-related improvement projects and initiatives, incl. the update of credit policies and procedures to ensure compliance with all applicable regulations;
• Support in internal and external audits (Credit Examination, JFSA / MAS / BoJ / RBI / Statutory etc.) by coordinating corresponding activities for the department/branch;
• Maintain good working knowledge of industry trends, products, relevant laws and regulations. Adhere to all company policies as well as guidelines;
• Conduct product suitability reviews for new and existing clients in accordance with MUFG's established policies and procedures;
• Provide junior members of the team with guidance on career development and support;
• Manage efficient use of team resources including headcount and direct expenses.

Job Requirements:

• Minimum 12+ years' experience in a credit analyst/ client coverage/ product coverage role within corporate and/or investment banking covering the APAC region.
• Knowledge of structured products and/or project finance will be an added advantage;
• The candidate should possess an undergraduate degree
• Having relevant post-graduate qualifications (MBA / MSc) and/or professional qualifications (CA / CFA / FRM) will be an added advantage
• Must have experience in managing teams
• Demonstrated abilities to influence senior stakeholders / management towards a constructive and beneficial outcome
• Having a track record of successful collaboration resulting in innovative and pragmatic approaches to problem-solving

We regret to inform that only shortlisted applicants will be notified.

Job ID:10072831