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Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 150,000 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.

MUFG is seeking a Credit Risk Analyst to join their dedicated Credit Risk Management team. This role offers you the opportunity to play a pivotal part in ensuring the integrity and effectiveness of credit risk controls, while working closely with both internal and external stakeholders. You will be empowered to monitor compliance, verify financial ratios, and maintain the quality of information that underpins key management decisions. Our organisation is committed to fostering a supportive environment where your expertise is valued, and your professional growth is encouraged through ongoing training opportunities and collaborative teamwork. If you are looking for a position that combines analytical rigour with meaningful interpersonal connections, this is an excellent chance to advance your career within a knowledgeable and dependable network.

• You will be responsible for monitoring and controlling all aspects of credit risk management, ensuring compliance with regulatory authorities and internal policies.
• You will work alongside a knowledgeable team that values collaboration, dependability, and supportive leadership, offering you the chance to develop your skills in a nurturing environment.

What you will do:

As a Credit Risk Analyst based in Manila, you will be entrusted with safeguarding the organisation’s exposure by meticulously monitoring compliance with regulatory requirements and internal policies. Your day-to-day responsibilities will involve verifying financial ratios, managing covenant compliance, and ensuring that all data entered into banking systems meets stringent quality standards. You will play an essential role in preparing detailed reports for management review while facilitating open communication between various departments. By conducting training sessions for Front Office staff on credit rules and documentation best practices, you will help foster a culture of shared knowledge and continual improvement. Your ability to adapt quickly to changing circumstances will be crucial as you take on new tasks assigned by supervisors. Success in this role hinges on your attention to detail, commitment to accuracy, and willingness to collaborate across teams.

• Monitor the observance of authorities, limits, approval conditions, and required financial ratios as set by regulatory bodies and head office guidelines, ensuring strict adherence at all times.
• Ensure the accuracy and completeness of facility details and other critical information entered into the bank’s data systems, maintaining high standards of data integrity.
• Carry out effective control overdue dates for credit applications, customer ratings, credit conditions, instructions requiring reports, collateral due dates, and any pending credit-related items.
• Check the completeness and accuracy of all required documentation for credit transactions to guarantee compliance with established procedures.
• Oversee proper loan and credit documentation processes to ensure full adherence to approved terms and conditions throughout each transaction lifecycle.
• Prepare comprehensive reports for other departments, management teams, and head office as required, providing clear insights into risk management activities.
• Liaise regularly with Front Office Relationship Managers as well as officers from primary offices or credit divisions to facilitate smooth communication regarding credit matters.
• Conduct credit-related training sessions for Front Office personnel focusing on credit rules, customer onboarding procedures, and documentation requirements.
• Perform additional tasks assigned by supervising officers from time to time to support departmental objectives.
• Collaborate with both internal teams such as Operations and Accounting as well as external parties including regulatory authorities and clients.

What you will bring:

To excel as a Credit Risk Analyst in this organisation, you will bring proven experience from previous roles within credit risk management—ideally spanning at least three years in the financial sector. Your educational background in Business or Economics equips you with the theoretical knowledge needed for complex analysis. You are known for your methodical approach; your organisational skills ensure that every aspect of risk monitoring is handled systematically. Your interpersonal abilities make it easy for you to connect with colleagues across different departments—whether supporting Front Office staff or collaborating with Operations teams. You thrive on absorbing new responsibilities quickly and are always ready to contribute wherever needed.

• Demonstrated experience of at least three years within a credit risk management function in the financial services sector is highly desirable for this position.
• A degree in Business or Economics provides a strong foundation for understanding complex financial concepts relevant to this role.
• Highly organised approach enables you to manage multiple priorities efficiently while maintaining systematic records of all activities.
• Excellent communication skills allow you to work effectively with colleagues across Front Office, Operations, Accounting, and other support teams.
• Proven ability to absorb new tasks rapidly demonstrates your agility in adapting to evolving departmental needs.
• Good working knowledge of credit policies and procedures ensures you can navigate regulatory frameworks confidently.
• Capacity for detailed focus supports your ability to evaluate choices thoroughly within loosely defined parameters.
• Analytical mindset helps you assess risks accurately while developing imaginative solutions when faced with ambiguous situations.
• Commitment to being a dependable team player fosters trust among colleagues and contributes positively to communal goals.
• Flexibility in adjusting quickly to changes within the work environment enhances your value as an adaptable contributor.

What sets MUFG apart:

MUFG is a leading player in the financial services industry with a reputation for delivering innovative solutions that drive business growth. Our brand is synonymous with stability, innovation, and a commitment to empowering a brighter future for our clients, communities and employees. We offer an inclusive and supportive work environment where every team member is valued for their unique contributions. This is an exciting opportunity to join a company that is keen to impact lives, enable growth and contribute to your wellbeing.

What's next:

If you are ready to take the next step in your career journey as a Credit Risk Analyst within a supportive team environment in Manila, we encourage you not to miss this opportunity!

Mitsubishi UFJ Financial Group (MUFG) is an equal opportunity employer. We view our employees as our key assets as they are fundamental to our long-term growth and success. MUFG is committed to hiring based on merit and organsational fit, regardless of race, religion or gender.