Credit Risk Management Officer (AVP)

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.

The Risk Management Unit acts as the Bank’s independent second line of defence for credit, market, liquidity and operational risks. It comprises the Risk Management Department and the Internal Control Department and works closely with Front Office, Finance, Operations, Legal, Compliance and regional risk functions.

The Credit Risk Officer supports the independent assessment, monitoring and reporting of the Bank’s credit risk exposures. Working under the guidance of senior risk officers, the Associate contributes to counterparty and transaction reviews, portfolio oversight, data quality and committee reporting, while ensuring compliance with the Bank’s risk appetite, policies and applicable regulatory requirements.

Portfolio Monitoring and Reporting

• Monitor counterparty exposures, credit limits, concentrations, watch-list indicators and material market or sector developments.


• Investigate data exceptions, limit excesses and emerging risks, escalating material issues promptly and supporting the definition and tracking of remedial actions.


• Prepare accurate and timely management information, portfolio analyses and materials for the Credit Committee and other risk governance forums.


• Maintain complete and reliable counterparty, rating and limit data in relevant risk systems and supporting records.

• Apply the Bank’s credit policies, risk appetite, procedures and delegated authorities consistently, and support regulatory, audit and internal control requests.


• Work constructively with business lines and support functions while maintaining the independence and effective challenge expected of the second line of defence.


• Contribute to process improvements, automation, procedure updates and ad hoc risk analyses, and provide backup support for other Risk Management Department activities when required.

• Up to three years of relevant experience in banking, credit analysis, risk management, audit, corporate finance or a related field.


• Exposure to corporate or financial-institution credit analysis, lending products or counterparty risk would be an advantage.


• Experience working with financial statements, data analysis and management reporting is desirable.

Functional/Technical competencies

• Sound understanding of financial statements, key credit ratios, cash-flow analysis and fundamental credit risk concepts.


• Awareness of credit risk governance, internal ratings, limits, collateral, covenants, concentration risk and early-warning indicators.


• Ability to analyse qualitative and quantitative information, form a balanced risk view and present conclusions clearly.


• Good command of Microsoft Excel and PowerPoint; experience with databases, reporting tools or basic data automation is an advantage.


• Fluent written and spoken English; professional proficiency in French is desirable.

• Master’s degree or equivalent in finance, economics, accounting, business, mathematics, engineering or another relevant quantitative discipline.


• Progress toward a recognized risk or finance qualification, such as FRM or CFA, would be an advantage but is not required.

Personal alignment to MUFG values

• Integrity & Responsibility


• Professionalism & Teamwork


• Challenge ourselves to grow

• Client Centric


• People Focused


• Listen Up, Speak Up


• Innovate & Simplify


• Own & Execute

• Results driven, with a strong sense of accountability


• Strong decision making skills, the ability to demonstrate sound judgement


• Strong problem solving skills


• A creative and innovative approach to work


• Excellent interpersonal skills


• Excellent attention to detail and accuracy


• A calm approach, with the ability to perform well with tight deadlines

MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.

We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.