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Senior Credit Manager - Private Wealth, Director

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  • Requisition # 10054051-WD
  • Job Type Full time
  • Date Posted 07/12/2022
  • Location Irvine, CA

Your potential. Your opportunity.

Do you want your voice heard and your actions to count?

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world. Across the globe, we’re 180,000 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.

This is a remote position. A member of our recruitment team will discuss location preferences with you in more detail.

Job Summary:

Overall responsibility for oversight of high-quality credit underwriting and portfolio maintenance to support Private Wealth segment.  Awareness of liquid-secured lending, aircraft lending and individual lending in Wealth venue necessary. Plays a key role in balancing asset growth with credit quality as part of achieving division & financial objectives. Role manages a team of Credit Executives that includes one Director, six Vice Presidents and one Assistant Vice President (8 FTE).  Reports to the Business Credit Center of Excellence Managing Director.

Key Responsibilities:

New Business: Provides oversight for the initial evaluation of each new credit opportunity to determine the appropriateness of moving forward with the diligence and underwriting. The candidate will have the ability working with Relationship Managers/Wealth Leadership and with prospects/customers to properly evaluate an opportunity including evaluation of the management to determine the most appropriate credit structures. Act as senior credit sponsor on deals. They will additionally work effectively with Credit Admin to obtain appropriate approvals outside of their delegated credit authority. Appropriately adjudicate credits within assigned loan authority. (50%)

Portfolio Management: Provide existing portfolio oversight with focus on emerging portfolio issues and specific credit problems. Monitor portfolio performance aligned to risk appetite statements.  Manage Credit Executives assigned to the relationships. Resolve with the Wealth Advisors/Relationship Managers any disputes or conflicts arising between Relationship Managers/Credit Executives and/or Credit Administration. (50%)

Requires highly effective risk management, analytic, structuring and negotiating skills coupled with highly effective interpersonal skills emphasizing communications and collaboration consistent with the Bank's Culture Principles.  Transactions include credits of simple to high complexity ranging up to $50 million.  Responsible for applying America’s Credit Policy, Procedures and Underwriting Guidelines and for granting appropriate and permissible exceptions thereto within delegated credit authority.  Must continually seek process improvements to gain greater efficiencies.

Qualifications:

  • Education:  Bachelor’s degree required.  Master’s degree preferred.
  • 15 years commercial credit / wealth underwriting. 
  • Management / Leadership / talent development in a virtual environment
  • Proficient in standard bank software – Word, Excel, Teams, RACER/nCino, TOPS
  • Strong communication skills and collaborative personality

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/Affirmative Action 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. 

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