**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. **Would you like to work for one of the World's largest banks in an exciting,** **dynamic** **and international environment?** We are currently recruiting for a **Credit Portfolio Manager** for our **Global Corporate Banking Divisio** **n** in **Amsterdam** . MUFG Bank Europe N.V. (MBE) is a fully-owned subsidiary of Mitsubishi UFJ Financial Group (MUFG), one of the largest ranked Financial Groups in the world in terms of assets. A world-class set of businesses and more than 180,000 employees in 50 markets. MUFG offers stability in an ever-changing market, providing services to high-profile clients worldwide. For more than 50 years MBE offers corporate and investment banking services to both Japanese and non-Japanese corporate customers in The Netherlands and, through its branches. The goal is to be among the top performing foreign-owned banks operating in The Netherlands, providing value-added banking services and excellent operations, fulfilling both Japanese and Global Multinational Corporate customers' needs. At MBE we are committed to contributing to a more sustainable future. Thus, we will encourage you to embed environmental, social & governance (ESG) factors in your everyday work and in our culture. The MBE subsidiary based in The Netherlands is a network of branches (Germany Branch (Dusseldorf, Hamburg, Frankfurt, Munich), Spain Branch (Madrid), Belgium Branch (Brussels), Austria Branch (Vienna)), managed from Amsterdam. **Function positioning** Credit Portfolio Management (CPM) is a global function that is responsible for actively managing MUFG Bank’s loan portfolio including monitoring the credit quality and efficiency of the loan portfolio, developing and executing hedging and loan sales strategies to protect/optimize the bank’s capital using real-market information, market research and traditional fundamental credit analysis. In addition, CPM works closely with the business lines to participate in the analysis and evaluation of new business opportunities and provide exposure management solutions when necessary. **Overall** **Purpose of Job** + The successful candidate will join the Advisory & Research (A&R) team in its newly established function for managing stressed and distressed credit situations within the first line of defence. The main purpose of this role is overseeing borrowers from initial signs of weakness up to debt repayment either through exposure management or legal workouts in distressed scenarios. + The A&R team is part of the EMEA Credit Portfolio Management Office (ECPMO), which actively works with its business partners throughout the MUFG group to analyse new business opportunities, create and execute risk management solutions using various liquid or illiquid hedging tools such as CDS, Credit Insurance, Securitizations, Loans sales and Risk Participations and perform various analyses of the Bank’s loan portfolio. + The role holder is expected to actively participate in broader ECPMO ad hoc projects. These may entail facilitating the execution of new, profitable transactions and to participate in the overall risk management process to improve the risk/return characteristics of the bank’s portfolio. **Your** **responsibilities** To work with senior management, relationship management divisions, credit analysis divisions and risk functions to: + Monitor markets and borrower news flow and work with colleagues across analytical functions within the first line of defence to enable the early detection of credit concerns. + Conduct independent in-depth credit analysis on specific borrowers encompassing financial analysis/projections to assess the implications of various drivers on a borrower’s credit quality. + Carry out a thorough assessment of a borrower’s capital structure and understand the seniority of debt repayment. This will entail reviewing legal documentation, covering areas such as transferability restrictions, covenants, events of defaults, asset protection, security...etc. + Looking through the valuation of comparable companies to assess a borrower’s enterprise values and go through a waterfall analysis of the capital structure to assess recoveries for our exposures. + Thinking strategically about our positioning versus other lenders and understanding strengths, weaknesses, opportunities and threats. + Looking at market instruments and using relative value analysis to offer indicative market values of our exposures. + Assess various exposure management strategies and liaise with various specialist teams covering solutions such as but not limited to, loan sales, credit insurance and credit default swaps. + Present to various stakeholders (including senior management and committees) the outcome of their analysis in a clear, concise and confident manner. **I** **n order to** **b** **e successful in the role, you will need the following:** Must demonstrate some knowledge in any one of the following three skill sets and be eager to develop skills for the remaining third: + Understanding of corporate lending encompassing leveraged finance, growth markets, stressed and/or distressed credit investing. + Understanding of credit risk pricing gained ideally through fixed income or loan investing, including areas such as corporate credit, sovereign and varying degrees of seniority and security. + Understanding of risk mitigation products such as Credit Default Swaps, Credit Insurance, Loan sales, Risk Participations and Securitization, preferably including within a portfolio context. Functional / Technical Competencies: + Strong communication and presentation skills. + Strong interpersonal skills in the management of multiple senior stakeholders. + Solid understanding of credit analysis, credit ratings and credit markets. + Proficient user of MS Office applications, Excel for financial modelling and data analysis along with word and PowerPoint. + Preferred: Bloomberg and other market information system. Education / Qualifications: + Degree educated (Business, Economics, Law, Accounting or relevant technical subject) or demonstrating equivalent practical experience. + Preferred: Industry qualification in a creditanalysis or debt management related subject(CFA, CQF, etc.), legal or auditing qualifications and/or completion of formal credit training. **Persona** **l requirements:** Integrity and Responsibility + Balance Risk with Opportunity + Customer Focus + Demonstrate Global Perspective Professionalism and Teamwork + Drive For Results + Collaborate and Build Partnerships + Communicate Effectively and Professionally Challenge Ourselves To Grow + Influence and Inspire Others + Lead Change & Seek Continuous Improvement + Think Strategically + Manage and Develop Talent **What do we have to offer:** We offer you a role in one of the largest banks of the world in a growing and international environment. You have various opportunities to develop yourself and we will support you with that by offering various training and development possibilities. + We take into account your home situation and your ambitions and help you to balance work and private life. + Monthly team events. + To work in an ambitious, international environment with colleagues from different countries and cultures who strive for the best. **Besides** **that** **we will offer you:** + Gross salary based on experience and consistent with the market + 8% holiday allowance and 13th month payment. + 30 vacation days per year. Optional you can buy 15 additional days. + Commuting allowance based on annual public transport 2nd class, most economical way, or €0,23 per km with a max of 75km one way. + €5,00 net remote working compensation per day, with a maximum of €60,00 per month. + Possibility to order a mobile phone (up to €800,-) + Possibility to order Office Equipment’s for the home office, (up to €500,-) + RemoteWorking Policyi.e. Working From Home (WFH) and Remote Working in another Country. + Bicycle plan (fiscal benefit) + Company fitness (fiscal benefit) + Mental health workshops and budget for external courses (i.e. Dutch language classes). + Employee contribution towards Pension insurance (max 5%, currently 2%), our pension scheme is based on a defined contribution scheme. + Training & development possibilities paid by the bank **Additional** **information** : Acquisition in response to this vacancy is not appreciated. The role is based in the Netherlands. All candidates need to be willing to relocate to the Netherlands. Internal employees will be supported in case of relocation. For more information regarding this position you can contact our Talent Acquisition Specialist at: recruitment@nl.mufg.jp We are open to considering flexible working requests in line with organisational requirements. 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. At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them! **Our Culture Principles** + Client Centric + People Focused + Listen Up. Speak Up. + Innovate & Simplify + Own & Execute