Vice President, Credit Analyst / Relationship Manager (Japanese Corporate & Investment Banking)

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Overview of the Department/Section

The Japanese Corporate Banking Department (London) is a front office function responsible for business development of customers located in the United Kingdom and other demarcated countries in EMEA, of which their ultimate parent companies are Japanese Corporates.

This Department is in charge of overall customer relationships and covers the following tasks.

• Achieving BSC Profit Target assigned to the Department
• Acquire our profit by offering MUFG products and serviced to clients, through the collaboration with the Primary Offices.
• Discover the seeds of future profits and monetize them with Product Offices’ support
• Maximize our profit through the close communications with MUFG affiliates within/outside the region
• Strategy Planning
• Building up Short-term and Mid-Long term account strategies on customers and execute them in due course
• Support Head of Japanese Corporate Banking Division for EMEA on developing Division’s strategy planning 
• Customer Centric
• Always improve Department’s customer base through necessary customer  replacements
• Contribute MUFG wide business expansion for our customers
• Offer and introduce new products and services for future profits
• Credit Control
• Create high leveled credit / borrower rating applications through prudent and accurate credit analysis
• Analyze Department’s credit portfolio and report to the management
• Compliance and Risk Ownership
• Lead the Department in building up adequate Risk Ownership framework
• Follow Compliance related rules
• MUFG Contribution
• Contribute profit increases at other MUFG offices
• Support and enhance better management/controls at other MUFG offices within the region
• Acquire our profit by offering MUFG products and serviced to clients, through the collaboration with the Primary Offices.
• Discover the seeds of future profits and monetize them with Product Offices’ support
• Maximize our profit through the close communications with MUFG affiliates within/outside the region
• Building up Short-term and Mid-Long term account strategies on customers and execute them in due course
• Support Head of Japanese Corporate Banking Division for EMEA on developing Division’s strategy planning 
• Always improve Department’s customer base through necessary customer  replacements
• Contribute MUFG wide business expansion for our customers
• Offer and introduce new products and services for future profits
• Create high leveled credit / borrower rating applications through prudent and accurate credit analysis
• Analyze Department’s credit portfolio and report to the management
• Lead the Department in building up adequate Risk Ownership framework
• Follow Compliance related rules
• Contribute profit increases at other MUFG offices
• Support and enhance better management/controls at other MUFG offices within the region

Number of Direct Reports

None

Main Purpose of the Role 

• Specifically, you have accountability for the following named department:

Corporate Banking Department (London)

Key Responsibilities

Specifically, you will be accountable and responsible, as a Junior Relationship Manager, (1) to independently demonstrate ownership and manage process of all aspects related to customer transactions for assigned customers and (2) to support senior Relationship Manager for large clients with complex customer transactions, including but not limited to business promotion, credit analysis/monitoring, operation and risk management with respect to the Company’s and Corporate Banking Department (London), including:

Planning and Strategy Development

• Responsible for effectively managing a client portfolio to meet commercial and risk goals
• Responsible for collaborating with Product Partners to effectively identify solutions that meet client needs
• Responsible for partnering with Credit and Compliance stakeholders to meet internal requirements
• Responsible for assisting senior Relationship Manager with origination and strategic business development activities
• Responsible for regularly sharing information and ideas with other MUFG international branches
• Responsible for developing a strong understanding of MUFG’s credit policy and operational procedures
• Responsible for undertaking ongoing training and development to build skills and knowledge

Risk Management

As a Junior Relationship Manager, you will be responsible for monitoring, and taking action further to your delegated authority in respect of, the risk being run across Corporate Banking Department (London). You are/will:

• Responsible for managing all relevant risks (including, but not limited to, market, credit, operational and conduct risks) within the firm’s risk appetite including through the use and continued development of market-leading risk management models and monitoring tools
• Responsible to conduct business in line with internal policies and procedures as well as regulatory requirements
• Ensure that the Global Governance Standards are supported by appropriate and effective compliance policies and procedures that are applied consistently across the Corporate Banking Department (London)
• Responsible for ensuring that the Corporate Banking Department (London) supplying information for risk and financial reporting is well managed and, within the policies established by the Company and Operating Entity's, Boards and appropriate committees
• Responsible for managing credit assessment flows including credit applications, borrower’s ratings and other reports with high quality analysis as well as monitoring for the assigned customers while punctually managing schedule

Regulatory Compliance, Affairs and Change

You will manage the following matters with respect to internal systems and procedures, appropriate for above departments, including:

• Being accountable for evaluating, and establishing where necessary, appropriate operational and IT systems and controls to enable the Corporate Banking Department (London) function to conduct its business in accordance with agreed business plans within the International Business

Controls And Compliance

You are responsible for ensuring the Company’s compliance with internal risk and compliance requirements, controls and procedures, including but not limited to:

• maintaining systems and controls commensurate to its business and in line with regulatory requirements;
• personally, following all relevant policies and procedures, and ensuring those in your teams also follow policy and procedures.

Relationship with other functions and stakeholders

• Maintain and enhance good working relationships with stakeholders, across the region and globally to share best practices, provide support and develop effective local policies and procedures appropriate to the Company, and working in support of the One MUFG and overall Group strategy.

Work Experience

Essential:

• Relevant work experience at front office in Corporate Banking business
• Relevant work experience in managing credit assessment for large/medium sized corporates
• Work experience within a multicultural working environment

Skills And Experience

Functional / Technical Competencies:

Essential

• Advanced skills in corporate banking, corporate finance, accounting and strategic thinking
• Deep and wide range of knowledge of financial products/services
• Advanced skills in Microsoft Office Excel, Word, Power Point and Access applications
• Strong numerical, written and verbal communication skills, with the ability to communicate effectively at all levels
• Strong accuracy and attention to details
• Strong analytical skills and demonstrable accuracy when creating reports
• Effective team player with well-developed interpersonal skills
• Excellent time management skills
• Must be business level fluent in Japanese and English languages, both written and verbal
• High PMO skills to manage various projects at the same time
• Advanced skills in strategic planning

Education / Qualifications:

Essential

• Degree level education and relevant industry expertise

Personal Requirements

• Logical and accurate analysis
• Actively proposing effective ideas to drive deals and/or execute processes
• Effective prioritization and setting of clear action plans to achieve goals
• Effective execution of tasks to achieve goals and solve problems.
• Providing accurate guidance and development advice to team members
• Managing and motivating the team to a high standard of performance
• Setting high goals and creating new challenges.
• Demonstrating ownership and adopting an agile and flexible approach to work to achieve the goals
• Working collaboratively with team members and stakeholders to maximize the performance of the organization
• Strong influencing and negotiation skills
• Coordinating different teams towards the goals by finding common ground
• Acting with integrity and responsibility

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.