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 120,000 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 selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. A member of our recruitment team will provide more details.

Job Summary:

We are seeking a Director to join our Portfolio Management Group (PMG), focusing on underwriting and portfolio management for clients in the Financial Institutions Group (FIG). This role covers both investment grade and non-investment grade public and private corporate borrowers, with a particular emphasis on structured finance transactions, including those backed by insurance and insurance-linked securities.

As a FIG-PMG Director, you will be a finance professional structuring, underwriting, monitoring and managing facilities for:

Financing against insurance and insurance linked securities

Financial institution lending (including life insurance and property & casualty companies, BDCs and asset managers / funds)

Setting up facility terms for recent / de-novo insurance sidecars

Must have a good understanding of various life insurance products

Understanding of capital requirements across various jurisdictions including US, Bermuda and Solvency II

Understand accounting of financial institutions clients

Critical functions include assessing risk factors associated with each credit and determining the appropriate risk ratings based on established policies and guidelines. Responsibilities will include active credit management utilizing solid credit and analytical skills, including monitoring credits for potential upgrades, downgrades or general credit deterioration with the goal of maximizing the bank’s net income while minimizing credit costs.

Additionally, you will have direct management responsibilities and oversight of junior colleagues on the team. You will be responsible for hiring, managing, training and reviewing work of junior colleagues performing credit management and analysis functions.

Responsibilities:

Evaluate prospects and analyzes structure of complex financing transactions for new and existing financial institution clients

Perform due diligence on new transactions as well as regularly scheduled evaluation of the existing loan portfolio

Underwrites new bank debt transactions according to established policies and guidelines for non-investment grade clients and prospects, performing detailed credit analyses and required credit applications in accordance with internal policies and regulatory guidance, including the evaluation of company-specific, industry, and regulatory risks; and company historical operating performance, projected operating performance and capital structure

Manages a portfolio of corporate clients, including periodic reviews and communication of account information across various constituencies throughout the organization

Check / Prepare cash flow projections to assess the debt repayment capacity of borrowers including assessment of cash flows from securities against which lending may be secured

Reviews and negotiates loan documentation and interfaces with Middle Office professionals to facilitate the closing of transactions

Advanced Credit/Underwriting Solutions:

Work within deal team environment (with Global Relationship Managers, Credit Administration, Corporate Advisory, Capital Markets, and Syndications) supporting the development and analysis of financing structures/strategies

Provide credit-related feedback to bankers and Deal screening committee

Prescreen proposed transactions to identify critical structural issues and risks, balancing institutional policy with business development needs

Work with Business Line to identify prospective transactions that are consistent with MUFG risk appetite.

Identify structural risks and mitigants in prospective transactions

Prepare credit analysis for structured credit transactions (derivatives transactions, receivable securitizations)

Understand and maintain knowledge of industries represented in portfolio, including technical aspects and regulatory issues

Attend client and bank meetings as appropriate

Policy and Deal Advocacy:

Coordinates the deal process with credit administration partners in CDA (Credit Division of the Americas), relationship managers in GRM (Global Relationship Management), and various product partners

Determine appropriate ratings for transactions and correlate appropriate exposure level with regard to exposure on both a transaction and group level

Ensure compliance with policy and regulatory requirements

Skills & Experience:

Bachelor’s degree, in Finance, Accounting or Economics (CFA, FRM or MBA is a plus)

10+ years of Financial Institution industry expertise, ideally with an Insurance sector focus

Strong credit skills and extensive analytical and modeling skills

Knowledge of standard bank products including loans, letters of credit, derivatives, foreign exchange, rate swaps, cross currency swaps

Knowledge of counterparty credit and negotiation of ISDA / CSA

Ability to manage multiple priorities

Effective communication skills and ability to work with senior credit officers, business partners, and clients

Strong verbal, written and interpersonal communication skills

Able to work independently and under pressure

Management experience preferred

The above statements are intended to describe the general nature and level of the work being performed. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified

Compensation & Benefits:

The typical base pay range for this role is between $200k - $275k 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. For more information on our Total Rewards package, please click the link below.

MUFG Benefits Summary

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 (including (i) the San Francisco Fair Chance Ordinance, (ii) the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance, (iii) the Los Angeles County Fair Chance Ordinance, and (iv) the California Fair Chance Act) to the extent that (a) an applicant is not subject to a statutory disqualification pursuant to Section 3(a)(39) of the Securities and Exchange Act of 1934 or Section 8a(2) or 8a(3) of the Commodity Exchange Act, and (b) they do not conflict with the background screening requirements of the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA). 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.

The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.

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. We do not discriminate on the basis of race, color, national origin, religion, gender expression, gender identity, sex, age, ancestry, marital status, protected veteran and military status, disability, medical condition, sexual orientation, genetic information, or any other status of an individual or that individual’s associates or relatives that is protected under applicable federal, state, or local law.