Credit Review Director

Job description

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 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 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. RESPONSIBILITIES Manage a team of examiners covering multiple portfolios including Project Finance, Energy, ABL, Aviation and international portfolios in Canada, Central America and South America. Oversee execution of credit risk reviews and continuous monitoring to deliver independent assessments of credit quality and effectiveness of risk management practices within and across portfolios. Evaluate transaction activities to ensure compliance with internal policies, approvals, monitoring standards, and risk frameworks. Identify and assess existing and emerging credit risks, including transactions, and portfolio-level exposures, and ensure timely escalation to senior leadership. Analyze risk rating accuracy, underwriting quality, credit approvals, monitoring practices, documentation, and credit administration processes to identify gaps and improvement opportunities. Monitor assigned portfolios to ensure aggregate risk remains within appetite and reflects current market conditions, providing actionable insights and recommendations. Prepare and deliver executive-level reports, presentations, and summaries for senior management, Board, and Risk Committee, clearly communicating findings and remediation plans. Recommend and influence enhancements to credit policies, procedures, and systems, and lead or support review teams as Examiner in Charge when applicable. WORK EXPERIENCE 15+ years of banking experience, preferably within Credit Risk Management, Underwriting, or Originations - Required. Experience in analyzing complex credit transaction structures including project finance - Preferred. Experience managing teams. FUNCTIONAL SKILLS Experience within credit review - Preferred. Extensive background with the regulatory environment. Proficiency in Microsoft Office tools including Word, Excel, Outlook, and PowerPoint. FOUNDATIONAL SKILLS Advanced credit analysis capabilities with a strategic, risk-focused mindset. In-depth knowledge of different credit products and sectors. Strong analytical and problem-solving abilities. Excellent verbal and written communication skills with the ability to present to executive audiences. Ability to work independently with limited supervision while managing multiple priorities. Strong project management and organizational skills with attention to detail. Demonstrated people management, leadership, accountability, and initiative in complex environments. Effective interpersonal and negotiation skills with the ability to influence and resolve conflict. Flexible, decisive, and serves as a trusted advisor to senior leaders within the organization. Leads by example, engaging inclusively and with intent. Always acts with integrity. EDUCATION Degree or equivalent work experience equally preferable. Degree in Accounting, Finance, Business Administration or related technical discipline is preferred. Advanced degree is desirable. The typical base pay range for this role is between $168K - $219K depending on job-related knowledge, skills, experience, and location. This role may also be eligible for certain discretionary performance-based bonuses 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.