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. The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. A member of our recruitment team will provide more details. Major Responsibilities: Responsible for implementation of the credit risk underwriting and management function for Securitized Products, providing recommendations to the credit authority. Incumbent monitors and manages credit exposures within portfolios and individual transactions, keeping abreast of market trends and developments. May develop and lead strategic initiatives, updates to policies and procedures and may also be responsible for various projects to improve efficiencies. Candidate at this level is fully knowledgeable on the day-to-day activities of securitized product and credit processes and has strong verbal and written communication skills. Credit recommendations to management: Evaluate credit proposals and business screening memos and 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 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 Provide support to senior credit analysts in the evaluation of and credit recommendation on more complex deals and eventually manage such deals more independently Active portfolio monitoring of designated customers: 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 Policy Compliance: Ensure compliance with external regulatory/internal policy and procedural requirements Participate in ad-hoc policy meetings to enhance organization wide credit risk framework Others Perform related duties and participate in special assignments and projects as required Qualifications: In-depth knowledge of all elements of Credit and Risk principles Previous working experience in financial institutions or related sectors, preferably in 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 and strong credit writing skills with ability to explain transaction structures 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 The typical base pay range for this role is between $150K - $200K depending on job-related knowledge, skills, experience, and location. This role may also be eligible for certain discretionary performance-based bonus and/or incentive compensation. Additionally, our Total Rewards program provides colleagues with a competitive benefits package (in accordance with the eligibility requirements and respective terms of each) that includes comprehensive health and wellness benefits, retirement plans, educational assistance and training programs, income replacement for qualified employees with disabilities, paid maternity and parental bonding leave, and paid vacation, sick days, and holidays. For more information on our Total Rewards package, please click the link below. MUFG Benefits Summary We will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws (including (i) the San Francisco Fair Chance Ordinance, (ii) the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance, (iii) the Los Angeles County Fair Chance Ordinance, and (iv) the California Fair Chance Act) to the extent that (a) an applicant is not subject to a statutory disqualification pursuant to Section 3(a)(39) of the Securities and Exchange Act of 1934 or Section 8a(2) or 8a(3) of the Commodity Exchange Act, and (b) they do not conflict with the background screening requirements of the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA). The major responsibilities listed above are the material job duties of this role for which the Company reasonably believes that criminal history may have a direct, adverse and negative relationship potentially resulting in the withdrawal of conditional offer of employment, if any. 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 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 on the basis of race, color, national origin, religion, gender expression, gender identity, sex, age, ancestry, marital status, protected veteran and military status, disability, medical condition, sexual orientation, genetic information, or any other status of an individual or that individual’s associates or relatives that is protected under applicable federal, state, or local law. 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