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Credit Risk Manager, Vice President

Credit Risk Manager, Vice President

MUFG AmericasFontana, California, US
26 days ago
Salary
$142,000.00–$180,000.00 yearly
Job description

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Job Summary :

The Credit Risk Manager position reports to the head of Growth & Middle Market Technology (“GMMT”) and Asset Based Lending (“ABL”) transactions for Credit Division of the Americas. This is a critical role in supporting both the GMMT and ABL franchises as they grow and expand into higher risk areas. The individual will be responsible for the 2nd line of defense for a portfolio of Technology and ABL transactions that include Venture Loans as well as distressed and DIP financings. This includes providing credit recommendations on new transactions and managing a complex portfolio. They will work closely with senior members of the business lines and provide structuring and legal documentation input on transactions. They will evaluate and recommend transactions and monitor the credit exposure in the portfolio and develop exposure management programs when appropriate.

Major Responsibilities :

Active portfolio management of designated customers

  • Responsible for credit exposure to a portfolio of Technology and ABL borrowers
  • Identify the potential credit deterioration of individual companies in the portfolios and maintain timely and accurate risk ratings
  • Staying current on changes and potential changes in the sector and regulatory developments is an important part of your job
  • Coordinate and communicate critical account information independently and directly to various related parties including the business line, product groups, and credit divisions.
  • Additional responsibilities will include presentations to senior executives, discussions with internal auditors and external regulators.
  • Providing quality control for credit applications and / or approval memos.
  • Participate in and contribute to special assignments and projects as required.

New transactions

  • Lead effective challenge of transactions to ensure safety and soundness of portfolio
  • Work with the business line to identify and mitigate structural and other risks in prospective transactions.
  • Evaluate credit opportunities along with the business line and perform detailed credit analysis taking into consideration industry, business, legal and financial risks, and make recommendations to management.
  • Provide real-time feedback to deal teams about MUFG risk appetite for transactions.
  • Provide structuring input and make recommendations on credit requests based on fundamental analysis and maintain a comprehensive knowledge on individual companies and the industries in which they operate.
  • Advise the Business Line on credit risk issues / terms and conditions to create the best possible transaction, focusing on the risk / return dynamic and on minimizing potential credit costs.

    • 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.

    • Qualifications :

  • Bachelor’s degree or Master’s in business or a related field.
  • 6+ years of work experience in credit and risk related functions.
  • In-depth knowledge of corporate credit analysis, loan structures / documentation and credit and risk management issues.
  • Understanding of the issues related to the regulatory environment (FRB, OCC, FDIC).
  • Comfortable with Word, Excel and PowerPoint
  • Strong written and verbal communications skills.

    • The typical base pay range for this role is between $142K - $180K 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.

    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. 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.

    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.

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