AVP - Credit Portfolio Manager

Mitsubishi UFJ Financial Group; City of London; On-site; GBP 80,000 - 100,000; Full time

Job summary

A global financial institution in London is seeking an AVP - Credit Portfolio Manager. The role involves managing the loan portfolio, making lending decisions, and providing advisory services to relationship managers. Candidates should have a strong background in corporate lending, credit pricing, and risk mitigation products. Excellent communication and analytical skills are essential.

Qualifications

• Understanding of corporate lending and credit assessment.
• Proficient in fixed income and financial modelling.
• Strong analytical and problem-solving skills.

Responsibilities

• Advise on transaction economics and assist in benchmark selection.
• Support exposure management strategies.
• Perform risk-return analysis on loan portfolios.

Skills

Corporate lending understanding

Credit pricing knowledge

Risk mitigation products expertise

Communication skills

Interpersonal skills

Education

Degree in Business or Economics

Industry qualification (CFA, CQF)

Tools

MS Office applications (Excel, Word, PowerPoint)

Bloomberg

Job description

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Overview

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. 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.

Role context

The successful candidate will be part of CPM for EMEA (ECPMO), which actively works with its business partners in the bank and the 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 sits within ECPMO’s Advisory Team, whose primary responsibility is to support the Bank’s businesses in making lending and asset origination decisions that make best use of the Bank’s balance sheet (liquidity and capital). Additionally, the role will involve managing ad hoc projects where ECPMO can facilitate the execution of new, profitable transactions and to participate in the overall risk management process to improve the risk/return characteristics of the portfolio.

Main purpose of the role

• The successful candidate will be part of CPM for EMEA (ECPMO), which actively works with its business partners in the bank and the 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.
• Specifically, the main purpose of this role is to provide advisory services to the Bank’s relationship managers and asset originators at the point of transacting. The role sits within ECPMO’s Advisory Team, whose primary responsibility is to support the Bank’s businesses in making lending and asset origination decisions that make best use of the Bank’s balance sheet (liquidity and capital). Additionally, the role will involve managing ad hoc projects where ECPMO can facilitate the execution of new, profitable transactions and to participate in the overall risk management process to improve the risk/return characteristics of the portfolio.

Key Responsibilities

• Advise relationship managers and asset originators on the economics of transactions and from an overall client relationship perspective (RoE and relative value analysis). Monitor financial markets and economic developments to assist in benchmark selection and participate in market updates with business teams.
• Support devising exposure management strategies and advise on the economics of identified alternatives.
• Support advising optimal hold amounts to align with the bank’s risk appetite for retained credit risk.
• Liaise with product specialist teams involved (loan sales, credit insurance, CDS).
• Perform risk-return analysis at the business line or portfolio level to help optimize portfolio constraints.

Skills And Experience

WORK EXPERIENCE

Essential

Must demonstrate command of one of the following three skill sets and be eager to develop skills for the remaining skills:

• Understanding of corporate lending with specialty focus in either Corporate and or Project Finance lending, incl. corporate credit assessment;
• Understanding of credit pricing, regulatory capital, statutory and economic return measures in the area of fixed income;
• Understanding of risk mitigation products such as Credit Default Swaps Credit Insurance, Loan sales, Risk Participations and Securitization, preferably including within a portfolio context.

Preferred

• Understanding of relationship banking and ancillary banking products such as fixed income, interest rate swaps, FX and cash management.

Skills

Functional / Technical Competencies

Essential

• Strong communication and presentation skills.
• Strong interpersonal skills in the management of multiple senior stakeholders.
• Proficient user of MS Office applications, Excel for financial modelling and data analysis along with word and PowerPoint.

Preferred

• Bloomberg and other market information systems, possibly VBA experience.

Education / Qualifications

Essential

• Degree educated (Business, Economics, or relevant technical subject) or demonstrating equivalent practical experience.

Preferred

• Industry qualification (or working towards) in a credit analysis or risk management related subject (CFA, CQF, etc.)

Personal Requirements

• Friendly and collaborative personality which values a well-established team culture.
• Excellent attention to detail and accuracy.
• Proactive, self-motivated, results driven, with a strong sense of accountability.
• The ability to operate in a fast paced environment and prioritise work accordingly.
• Strong numerical and problem solving skills.
• A creative and innovative approach to work.

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.

Details

Seniority level: Executive

Employment type: Full-time

Job function: Finance and Sales

Industries: Financial Services and Banking

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