Vice President, Credit Risk Team
MUFG Bank
Hong Kong - Central
1天前

Mitsubishi UFJ Financial Group, Inc. (MUFG) is one of the world's leading financial groups. Headquartered in Tokyo and with over 360 years of history, MUFG has a global network with over 2,700 locations in more than 50 markets.

The Group has over 180,000 employees and offers services including commercial banking, trust banking, securities, credit cards, consumer finance, asset management, and leasing.

The Group aims to "be the world's most trusted financial group" through close collaboration among our operating companies and flexibly respond to all of the financial needs of our customers, serving society, and fostering shared and sustainable growth for a better world.

MUFG's shares trade on the Tokyo, Nagoya, and New York stock exchanges.

MUFG Bank, Ltd. is Japan's premier bank, with a global network spanning more than 50 markets. Outside of Japan, the bank offers an extensive scope of commercial and investment banking products and services to businesses, governments and individuals worldwide.

Vice President, Credit Risk Team

Risk Management Office for Asia

MUFG Bank, Ltd

Job Responsibilities :

Credit Risk Assessment

  • Conduct comprehensive and objective risk assessment on loan applications and provide independent credit recommendation for Management / Credit Division's reference.
  • Ensure adequacy & accuracy of the content of credit & rating applications.

  • Evaluate the company specific, industry and macroeconomic risk factors, banking relationship and account conduct that may affect the repayment ability of customers on an ongoing basis.
  • Conduct daily credit monitoring on assigned borrowers.

  • Check the compliance of covenants of long-term loan transactions. Participate in the customer / factory visit to collect updated information of the borrower's business operation.
  • Credit Risk Management

  • Undertake credit risk management & planning tasks for the Bank. Compile various management reports and analysis on the Bank's portfolio for Management / Credit Division's review on regular basis.
  • Follow-up the market environment & evaluate potential risk factors that may cast material impact to the Bank's credit portfolio.
  • Conduct regular stress test and examine trigger events. Examine the impact from major macro events on the credit portfolio.

  • Support & coordinate with relevant departments in handling on / off site credit inspections / credit-related queries from regulators / head office / ARMO and formulate / update the Bank's credit policies / guidelines & coordinates for implementation in the Bank.
  • Conduct monthly monitoring on the level of KRIs against the established credit RAF of the Bank.
  • Job Requirements :

  • Degree holder of Economics / Finance / Accounting / Business related field.
  • Qualifications of CPA, CFA, FRM or other relevant finance certificates are preferred.
  • Sound accounting knowledge with solid financial & credit analysis skills.
  • Good knowledge on trade finance products and an ability to structure appropriate credit packages.
  • Versatile knowledge in local & global market environment, trend of different industries
  • Experience in interacting with senior members of the bank and control function.
  • Analytical with good problem-solving and communication skills
  • Able to work independently and as part of the Department.
  • Trainer of new comers and junior officers.
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