Associate or Vice President, Financial Institutions Credit Management

Job Description

Associate / Vice President, Financial Institutions – Credit Management | Mitsubishi UFJ Financial Group

The Tone:
This is a full-time role at Mitsubishi UFJ Financial Group (MUFG), located in Sydney or Melbourne, Australia. MUFG is one of the world’s leading financial groups, focused on building long-term relationships, serving society, and fostering shared and sustainable growth for a better world. This pivotal role is central to the ongoing growth and success of MUFG’s Financial Institutions (FI) business across Australia and New Zealand, a sector now accounting for over 20% of the Oceania portfolio. The position supports strategic origination, execution, high-quality portfolio management, and robust credit analysis, directly contributing to revenue and profitability growth.

The TL;DR
• Role: Full Time
• Type: Full-time
• Location: In-person, Sydney, Melbourne, Australia
• Team: Part of the Sydney or Melbourne based Financial Institutions Credit Management team, collaborating with regional and product teams.
• Mission: To maintain high-quality portfolio management, lead complex refinancing activities, and collaborate with coverage teams to ensure robust credit analysis and monitoring for the Financial Institutions business across Australia and New Zealand, supporting revenue and profitability growth.
• Tech Stack: Microsoft Office suite, especially Excel

What You’ll Actually Do
• Portfolio Management: Oversee a diverse portfolio of Financial Institution clients across Australia and New Zealand, rigorously monitoring borrower performance, outlook, and credit profiles to identify emerging risks and opportunities.
• Transaction Execution: Lead refinancing activities and complex transaction execution alongside the Coverage team, ensuring optimal risk-return outcomes for MUFG.
• Credit Analysis: Collaborate closely with coverage teams to deliver insightful credit analysis that supports both new origination and existing client transactions.
• Portfolio Strategy: Support FI portfolio construction by providing insights into revenue generation, profit optimisation, balance sheet management, and loss limitation as part of local, regional, and global growth plans.
• Team Development: Coach junior team members through guidance, mentorship, participation in training sessions, and leading team meetings to foster communal knowledge sharing.

The Must-Haves
• Background: Mandatory Business/Commerce/Law degree from a leading university.
• Experience: Minimum 4-7+ years’ experience in institutional lending within the FI sector, ideally including direct Financial Institutions sector experience. This includes a proven ability to produce high-standard credit writing, undertake detailed financial analysis/modelling, handle legal documentation, and structure debt effectively.
• Skills: Comprehensive understanding of financial markets and economic environments relevant to the FI sector, strong mathematical knowledge paired with advanced financial analysis acumen, proficiency in Microsoft Office suite especially Excel, capacity for independent research combined with critical thinking skills, clear written and verbal communication, and excellent interpersonal abilities.
• Bonus: Masters of Finance/MBA/CFA qualifications.