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Overview of Corporate and Investment Banking Credit (CIB Credit) for EMEA
EMEA CIB Credit Division is responsible for corporate banking and structured finance credit for non-Japanese corporates, FIs, and Sovereigns.
Its major functions are outlined as follows:
- analysing, approving, sanctioning and monitoring the credit quality of corporate credit risks and related risks;
- analysing, approving, sanctioning and monitoring the credit quality of Leveraged Finance, Project Finance, Structured Trade Finance, Aircraft Finance, Asset-backed Finance (Securitisation)
- Assessment and management of country risks
- Management of problematic assets
- Monitoring, reporting and early action
- Portfolio analysis and management
Our Credit Team is part of a global organisation located in London, New York, Singapore and Tokyo. The London Credit team is responsible for the EMEA region and we work closely with other regions, and MUFG Group entities and subsidiaries within the region, to ensure global consistency in credit management.
Number of Direct Reports
n/a
Main Purpose of the Role
- To support the Group Head to direct the continuous development of CIB Credit for EMEA’s credit risk framework, risk appetite portfolio monitoring and early warning frameworks in line with shareholders, client and regulatory expectations.
- To support the Group Head to lead, manage, guide and develop a group of credit professionals responsible for Middle Market & Growth Tech credit, and of certain allocated sectors.
- To exercise delegated credit approval authority and/or make recommendations to senior management on transaction specific files as well as continuously and actively monitoring the portfolio in line with internal policies and applicable regulatory guidelines.
Key Responsibilities
- Specifically, you will be accountable and responsible for taking appropriate action with respect to Middle Market and Growth Technology credit including:
- Oversight, responsibility and accountability for supporting the team head in guiding and developing a group of credit professionals within the Leverage Finance, TMT and Consumer & Healthcare Credit Team.
- Authority to exercise delegated credit approval up to USD75m, and/or make recommendations to senior management on transaction specific files as well as continuously and actively monitoring the portfolio in line with internal policies and applicable regulatory guidelines.
- To make balanced, timely and thoughtful credit decisions within the firm’s risk appetite.
- Responsible as a senior credit counterpart to front line relationship managers and applicable product origination and distribution businesses.
- Proactive solutions driven engagement with front line on deal specific and/or strategic developments through expert guidance, direction, feedback and identification of red flags or breaches of internal guidelines and policies.
- As a Director within CIB Credit for EMEA for contributing to the development of divisional credit strategy for respective products, sectors, countries/regions including supporting work to assess and set risk appetite and limits.
- Responsible and accountable for managing and overseeing a portfolio of credit accounts within areas of responsibility. Oversight and responsibility for giving advice and direction to credit managers to ensure high quality credit analysis, including report writing and decision making.
- Responsible for developing knowledge of the various types of industries, sectors, countries, players and financial and legal structures within Middle Market and Growth Technology credit and commitment to further learning.
- Responsible for developing in-depth knowledge of the technology sector in European markets and stay current on changes and potential changes, utilising internal and external sources.
- Demonstrate the Risk Culture Pillars; taking accountability for identifying and mitigating risk; actively managing risk within the department; remaining curious by taking proactive ownership; role modelling the risk partnership with colleagues in 1LOD and 2LOD; and being willing to challenge existing practice and be proactive and positive to change.
- Responsible for representing the credit division at internal forums within the regions and globally, to share opinions and influence decisions that impact their areas of specialism.
Work Experience
Essential:
- Strong experience working in financial institutions carrying out credit work for the Middle Market and Growth Technology area
- Strong experience in corporate banking and/or structured finance
Preferred:
- Experience of exercising personal delegated authority
- Experience of setting and applying credit risk strategy within a broader business strategy.
- Proven experience in investment banking in credit or front office
Skills and Experience
Functional / Technical Competencies:
- Extensive experience in lending to technology companies, preferably in the mid-market and growth (cash flow negative) segment
- Strong knowledge of corporate credit analysis, accounting, legal/documentation, and technology lending marketplace
- Extensive portfolio management experience
- Excellent communication and stakeholder management skills
- Excellent analytic and quantitative skills
Education / Qualifications:
Essential
Personal Requirements
- Excellent communication skills
- Results driven, with a strong sense of accountability
- A proactive, motivated approach
- The ability to operate with urgency and prioritize work accordingly
- Strong decision making skills, the ability to demonstrate sound judgement
- A structured and logical approach to work
- Strong problem solving skills
- A creative and innovative approach to work
- Excellent interpersonal skills
- The ability to manage large workloads and tight deadlines
- Excellent attention to detail and accuracy
- A calm approach, with the ability to perform well in a pressured environment
- Strong numerical skills
- Excellent Microsoft Office skills
- A strategic approach, with the ability to lead and motivate
- The ability to articulate and implement the vision/strategy for CIB Credit for EMEA
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.