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 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.

Job Description

• Leads credit and account management activities for an assigned sub-portfolio of complex project finance transactions.

• Conducts credit analyses, periodic credit reviews and risk rating assessments in line with internal policy and regulatory analytical frameworks plans, implements watchlist protocols, and portfolio surveillance routines

• Recommends borrower and regulatory rating actions and assignments across the assigned portfolio

• Accountable for accuracy and timeliness of borrower and regulatory rating assignments across the assigned portfolio

• Reviews and processes amendments, waivers, and consent requests, and may include restructuring proposals and recommends credit decisions

• Designs analytical approaches for evaluating construction progress, sponsor performance, and project cash flows

• Resolves complex credit and operational issues spanning documentation, covenant interpretation, and account administration

• Tracks and analyzes the assigned portfolio performance, emerging risk trends and raises watchlist concerns in line with internal credit policy

• Ensures full compliance with internal credit policies, delegated authority frameworks, and regulatory analytical requirements

• Facilitate communication between the department and Tokyo HO including supporting discussions with Planning and Compliance departments. Ensure smooth operations, clarity in policy matters and interpretation issues

• Support the department in discussions with Japanese customers on various projects

• Managing various initiatives for Head of Department and Head of Division in relation to the portfolio.

Job Requirements

• Bachelor Degree qualified in Finance, Banking Accounting, or related equivalent work experience equally preferable

• Minimum 4 years of experience in credit analysis, credit writing, portfolio monitoring, recommendation to credit committee or credit approver.

• Minimum 2 years of experience in cash flow analysis and financial modelling

• Minimum JLPT N1 Certification (or equivalent business-level Japanese proficiency) to communicate effectively with stakeholders of various divisions in Tokyo Head Office as the role requires interaction with Japanese speaking stakeholders.

• Demonstrated technical skills with a strategic mindset and good business acumen

• Proven experience in project finance portfolio management across infrastructure, natural resources, energy, and power sectors

• Ability to work on complex syndicated/agented credit facilities, restructurings, and waiver / amendment negotiations

• Comprehensive experience in credit risk analysis, borrower and regulatory rating assignment, and periodic portfolio review

• Experience implementing portfolio surveillance frameworks aligned with internal credit policy and regulatory analytical standards

• Proficiency in MS Office (PowerPoint, Excel, Access) or any database system.

Kindly note that only shortlisted applicants will be notified

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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.