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OVERVIEW OF THE DEPARTMENT/SECTION EMEA Financial Institution Credit Risk Management ("CRM FIG") is a credit risk team within 2LoD Risk department.
It is responsible for credit risk management inclusive of review and approval of banks, insurance companies, funds and sovereigns within the EMEA region.
The team is entity agnostic and covers both MUFG Securities ("MUS") and MUFG Bank for counterparty credit risk.
MAIN PURPOSE OF THE ROLE Assign credit ratings and formulate credit proposals in support of financing solutions, primarily for financial sponsors and inclusive of NAV Financing; Private Equity Portfolio Financing (Secondary NAV); Equity Margin Loans; Subscription Facilities and Hybrid NAV/Subscription Facilities. Set risk appetite for client and product scope above and approve/recommend transaction within Delegated Credit Authority where applicable. Monitor and exercise oversight over own portfolio of clients and take proactive actions when necessary. Work closely with the front office to assist business initiatives, new product launches and develop risk culture across 1st and 2nd line of defense. Collaborate across the wider FIG Credit team as well as EMEA Risk Management function and relevant global functions in MUBK and MUS. On an ad-hoc basis, support the enhancement of monitoring efficiency, system developments and risk measure as part of multi-department projects. KEY RESPONSIBILITIES Assessment and recommendation of appropriate rating and credit limits financing solutions. Oversee the annual review of existing limits and counterparties. Maintenance of EMEA portfolio across MUBK and MUS within areas of responsibility. Run periodic due diligence meetings with clients. Support on new product adoption including defining risk acceptance criteria, rating models and credit risk measurements. Provide creative solutions by influencing transaction structures and credit risk related terms/conditions when required. Present transactions to senior management for discussion and approval. Opine on credit risk related terms in trading documentation to mitigate credit risk. Monitor that transactions of the delegated responsibility perform within the terms of the credit approval. Compliance with all regulatory requirements as well as internal policy and procedure. WORK EXPERIENCE Strong financial sector experience in a credit risk management role with a focus on funding solutions for financial sponsors. SKILLS AND EXPERIENCE Experience from NAV Financing and Private Equity Portfolio Financing (Secondary NAV) is required. Competence in analysing financial sponsor investment strategies. Experience from opining on legal documentation from a credit perspective. EDUCATION / QUALIFICATIONS Bachelor Degree or equivalent with a focus in finance, economics or accounting (Essential). Master's Degree and relevant industry accreditation (Beneficial). PERSONAL REQUIREMENTS Excellent communication skills. Results driven, with a strong sense of accountability. Strong decision-making skills. Excellent attention to detail and accuracy. Excellent Microsoft Office skills. We are open to considering flexible working requests in line with organisational requirements.
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