Credit Risk Associate

3 weeks ago

Los Angeles, United States MUFG Bank, Ltd. Full time
Do you want your voice heard and your actions to count?

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 7th largest financial group in the world. Across the globe, we're 120,000 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.

Job Summary:

We're seeking a Credit Risk Associate who will be part of our growing Portfolio Management Group. You will focus on underwriting and portfolio management for clients in the Diversified Industries sector (Consumer, Retail, Environmental Services, Engineering, Construction, etc.) for non-investment grade public and privately owned corporate borrowers.

As an Associate you will be supporting senior portfolio managers in underwriting new debt transactions, follow-on financings for portfolio accounts, and monitoring portfolio account performance for potential upgrades, downgrades, and credit deterioration, with the goal of maximizing net income and reducing credit costs.

Responsibilities:
  • Support senior portfolio managers in the credit analysis and management of the Non-Investment Grade corporate credits, focusing on Consumer & Retail and Environmental Services industries.
  • Perform due diligence on new transactions as well as regularly scheduled evaluation of the existing loan portfolios.
  • Prepare detailed credit analyses and the required credit applications which include the evaluation of corporate, regulatory and industry risk, companies' historical operating performance, projected operating performance, transaction and capital structure.
  • Perform financial modeling for both the credit application process and scheduled reviews.
  • Coordinate and communicate account information across various constituencies throughout the organization.
  • Understand and constantly broaden knowledge of industries represented in portfolio, including technical aspects and regulatory issues utilizing internal and external sources.
  • Oversee facility closing due diligence, including documentation.
  • Attend client and bank meetings as necessary.
  • Participate in special projects as assigned.
Advanced Credit/Underwriting Solutions:
  • Work within a deal team environment (with Global Relationship Managers, Credit Administration, Sponsor Coverage, Capital Markets, etc.) supporting the development and analysis of financing structure and strategies.
  • Prescreen proposed transactions to identify critical structural issues and risks, balancing institutional policy with business development needs.
  • Support credit analysis for structured credit transactions (derivatives transactions, receivable securitizations).
Policy and Deal Advocacy:
  • Ensure compliance with policy and regulatory requirements.
  • Evaluate and establish appropriate ratings for transactions and correlate appropriate exposure level with regards to exposure on both a transaction and group level.
  • Support the communication with the credit approval division, including final hold level strategies to ensure alignment of risk strategy and policy.
Skills & Experience:
  • Bachelor's degree in finance, accounting, business or economics (CFA and/or MBA is a plus)
  • Completion of formal credit-training program at a money center bank is preferred
  • 3-5 years of experience within a financial institution (analyzing corporate clients' risk and credit profiles), accounting firm or rating agency
  • Strong financial spreading/analysis and modeling skills
  • Strong written, verbal and interpersonal skills
  • Microsoft Word, Excel, and PowerPoint proficiency
  • Able to work independently, demonstrate strong time management skills, and manage multiple assignments simultaneously


The typical base pay range for this role is between $120K - $145K depending on job-related knowledge, skills, experience and location. This role may also be eligible for certain discretionary performance-based bonus 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

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.

  • Credit Risk Analyst

    1 week ago

    Los Angeles, California, United States Mufg Bank Ltd. Full time

    Position Overview:We are looking for a Credit Risk Associate to join our dynamic Portfolio Management Group at MUFG Bank Ltd. About MUFG:Mitsubishi UFJ Financial Group (MUFG) is the 7th largest financial institution globally, with a workforce of 120,000 professionals dedicated to making a positive impact on our clients and communities. Role Summary:The...

  • Credit Risk Reporting Manager

    1 week ago

    Los Angeles, California, United States City National Bank Full time

    Position Overview:MANAGER OF CREDIT RISK REPORTING AND TRANSFORMATIONWHAT IS THE ROLE?The Manager of Credit Risk Reporting and Transformation is tasked with overseeing the Second Line of Defense Credit Risk Reporting for City National Bank (the "Bank"). This position will also engage in strategic initiatives aimed at enhancing Credit Risk Reporting,...

  • Credit Risk Manager:

    3 weeks ago

    Los Angeles, United States Akraya Full time

    Primary Skills: Analytics, Credit Risk Management, Regulatory Compliance, Data Analysis, Portfolio Oversight. Duration: 7+ Months (Possible Extension) Contract Type: W2 Only Location: Charlotte, NC Pay Range: $65.00 - $68.00 Per hour on w2 #LP "Work where you're valued and paid what you're worth"JOB RESPONSIBILITIES: This position focuses on credit risk...

  • Lead Credit Risk Analyst

    1 week ago

    Los Angeles, California, United States The Ladders Full time

    Position Overview:As a Lead Credit Risk Analyst, you will be responsible for evaluating and interpreting financial documentation, generating credit assessments for review by lending professionals. Your role will involve determining the creditworthiness of loan applicants and analyzing potential risks associated with lending activities.Key...

  • Credit Risk Analyst

    1 week ago

    Los Angeles, California, United States BankTalent HQ Full time

    About Us:At BankTalent HQ, we foster a culture centered around relationships, equipping our associates with the necessary tools, training, and opportunities to cultivate meaningful connections with clients and colleagues alike. Our organizational culture appreciates the diverse experiences, backgrounds, and perspectives of each associate, promoting a...

  • Credit Risk Analyst

    1 week ago

    Los Angeles, California, United States MUFG Bank, Ltd. Full time

    Are you ready to make a significant impact in the financial sector? At MUFG Bank, Ltd., one of the largest financial institutions globally, we are dedicated to fostering long-lasting relationships and promoting sustainable growth. With a workforce of 120,000 professionals worldwide, we prioritize innovation, collaboration, and the empowerment of our...

  • Credit Risk Analyst

    1 week ago

    Los Angeles, California, United States MUFG Bank, Ltd. Full time

    Are you ready to make a significant impact in the financial sector? Explore your potential with MUFG Bank, Ltd., a leading global financial institution. With a workforce of 120,000 dedicated professionals, we are committed to fostering sustainable growth and building long-lasting relationships with our clients and communities. Our mission is to be the most...

  • Credit Risk Analyst

    4 days ago

    Los Angeles, California, United States MUFG Bank, Ltd. Full time

    Are you ready to make a significant impact in the financial sector? Explore your potential with MUFG Bank, Ltd., a leading global financial institution. With a workforce of 120,000 professionals worldwide, we are dedicated to fostering sustainable growth and building lasting relationships with our clients and communities. Our commitment to being the most...

  • Credit Risk Manager

    1 day ago

    Los Angeles, California, United States Israel Discount Bank of New York Full time

    Job DescriptionJob Summary:We are seeking a highly skilled Portfolio Manager to join our team at Israel Discount Bank of New York. As a key member of our Middle Office team, you will be responsible for performing timely financial analysis and underwriting for renewals, annual reviews, and modifications.Key Responsibilities:Perform thorough financial analysis...

  • Credit Risk Reporting Manager

    1 week ago

    Los Angeles, California, United States City National Bank Full time

    Position Overview:MANAGER OF CREDIT RISK REPORTING AND TRANSFORMATIONROLE SUMMARY:The Manager of Credit Risk Reporting and Transformation is tasked with overseeing the Second Line of Defense Credit Risk Reporting for City National Bank. This position will engage in strategic initiatives aimed at enhancing Credit Risk Reporting, transitioning it into a more...

  • Risk Management Specialist

    1 day ago

    Los Angeles, California, United States First Citizens Bank Full time

    About the RoleWe are seeking a highly skilled Senior Risk Analyst to join our Credit Portfolio Analytics team at First Citizens Bank. As a key member of our team, you will be responsible for providing risk analytics and expert support to our business units, creating methods to evaluate potential losses, and developing high-impact solutions to minimize or...

  • Consumer Credit Risk Analyst

    1 week ago

    Los Angeles, California, United States Akraya Full time

    Primary Skills: Data Analytics, Credit Risk Oversight, Regulatory Adherence, Portfolio Management, Risk Assessment. Contract Type: W2 Only Pay Range: $68.00 Per hour on W2 JOB RESPONSIBILITIES: This role is centered on overseeing credit risk for consumer lending portfolios, ensuring alignment with banking regulations and internal policies while assisting the...

  • Consumer Credit Risk Analyst

    1 week ago

    Los Angeles, California, United States Akraya Full time

    Primary Skills: Analytics, Credit Risk Management, Regulatory Compliance, Data Analysis, Portfolio Oversight. Contract Type: W2 Only Pay Range: $68.00 Per hour on w2 JOB RESPONSIBILITIES: This role is centered on overseeing credit risk for consumer credit portfolios, ensuring adherence to banking and regulatory standards while assisting the Head of Consumer...

  • Consumer Credit Risk Supervisor

    4 days ago

    Los Angeles, California, United States Akraya Full time

    Primary Skills: Analytics, Credit Risk Oversight, Regulatory Adherence, Data Interpretation, Portfolio Management. Contract Type: W2 Only Pay Range: $68.00 Per hour on W2 JOB RESPONSIBILITIES: This role is centered on the supervision of credit risk for consumer lending portfolios, ensuring alignment with banking standards and regulatory requirements while...

  • Corporate Credit Risk Specialist

    1 week ago

    Los Angeles, California, United States MUFG Full time

    Are you ready to make a significant impact in the financial sector?Join Mitsubishi UFJ Financial Group (MUFG), a leading global financial institution with a commitment to excellence and integrity. With a workforce of 120,000 professionals worldwide, we are dedicated to fostering sustainable growth and building lasting relationships with our clients and...

  • Senior Credit Risk Review Officer

    21 hours ago

    Los Angeles, California, United States City National Bank Full time

    About the RoleWe are seeking a highly skilled and experienced Senior Credit Risk Review Officer to join our team at City National Bank. As a key member of our Credit Risk Review Department, you will play a critical role in ensuring the overall credit risk and effectiveness of our credit risk management processes.Key ResponsibilitiesScope, Lead and Manage...

  • Senior Officer of Credit Risk Assessment

    1 week ago

    Los Angeles, California, United States CareerArc Full time

    SENIOR OFFICER OF CREDIT RISK ASSESSMENTWHAT IS THE OPPORTUNITY?The Credit Risk Review Department (CRR) operates as a crucial component of the third line of defense, maintaining independence from all credit granting, adjudication, operations, and risk management activities conducted by the first and second lines of defense. The mandate of CRR is to...

  • Senior Credit Risk Analyst

    4 days ago

    Los Angeles, California, United States Genesis Capital Full time

    Job OverviewThe Senior Credit Risk Analyst will collaborate with Loan Officers to ensure that all necessary documentation is collected for the thorough evaluation of the borrower's financial status, credit history, and background. This role involves presenting analytical findings to the Credit Officer and Senior Management to facilitate informed loan...

  • Credit Risk Policy Analyst

    1 week ago

    Los Angeles, California, United States City National Bank Full time

    Position Overview:CREDIT RISK POLICY ANALYSTWHAT IS THE ROLE?This role entails the examination, authorization, and/or modification of new and updated credit policies and procedures for the Credit Policy Manual and the Credit Procedures Manual. This position is also tasked with evaluating and presenting data related to trends and the overall performance of...

  • Credit Resolution Representative III

    1 month ago

    Los Angeles, United States Water and Power Community Credit Union Full time

    Job Details Level Experienced Job Location Sunset - Los Angeles, CA Remote Type Hybrid Position Type Full Time Education Level 2 Year Degree Salary Range $26.74 - $40.12 Hourly Travel Percentage None Job Shift Day Job Category Banking Description Role: The Credit Resolution Representative III, performs as an experienced, representative with advanced...