Director, Credit Management

About the role

Mitsubishi UFJ Financial Group (MUFG) is recruiting a Director, Credit Management for its Hong Kong operation. The Credit Management (CM) function centralises core credit management and risk leadership, supporting GCIB Coverage and working with Sector Coverage, AIBD functions and APAC teams. The role is accountable for the credit process in Hong Kong, covering end-to-end credit preparation, in-country and sector watch processes, emerging risk analysis, credit cost management and RWA fixes.

Key responsibilities

• Support the Department Head in day-to-day credit management, proactively identifying emerging risks, themes and opportunities.
• Assist in portfolio construction so the bank lends to the right clients and sectors within its risk appetite and credit strategy.
• Partner with GCIB and global delivery teams to build a long-term plan improving the cross-location operating model and credit process outcomes.
• Manage regional RWA and capital initiatives affecting counterparty booking and risk grading, with agreed KPIs.
• Support coverage on customer selection, deal escalation and engagement with the second and third lines of defence.
• Develop strong relationships with stakeholders across the region, including portfolio and coverage teams and credit offices.
• Lead local and regional projects, standardise processes and drive quality submissions, with advice from in-country Coverage and credit offices.
• Guide and mentor team members, lead training and team meetings, and demonstrate strong leadership.

Required profile

• Bachelor's degree in business, commerce, law or a related discipline; Masters of Finance, MBA or CFA is an advantage.
• Minimum 10 years' experience in corporate and institutional lending, with solid experience in credit analysis and/or credit risk management.
• Strong credit analysis experience in corporate finance transactions; structured lending experience is an advantage.
• Proven leadership and people management experience, with excellent interpersonal and presentation skills.

Required skills

• Solid financial knowledge and analysis acumen.
• Proficiency in Microsoft Office.
• Credit writing, financial analysis and modelling, legal documentation and debt structuring.
• Good understanding of financial and economic markets.