As a credit risk analyst, you assist with credit authorization, research, analysis and development to recommend implementation strategies and priorities for credit risk management best practices. You analyze and help diagnose issues, provide opinions in accordance with your discipline’s rules, and help develop recommendations and implementation plans. You develop tools, methods and processes. Your projects and initiatives require extensive knowledge of your line of work. You share ideas and help solve problems using your analytical skills, extensive knowledge of your line of business and ability to manage complexity. You interact with stakeholders working in other fields. You provide discipline-specific support to your unit, clients and partners. More specifically, you will be required to: - Identify, input, analyze and interpret data to support management decision-making and credit risk control processes. Make recommendations - Analyze risks and write reports. Prepare recommendations and provide advice on how to implement them - Help prepare and propose action plans to address issues in accordance with rules and parameters - Develop and write methods and processes What we offer* - Competitive salary and annual bonus - 4 weeks of flexible vacation starting in the first year - Defined benefit pension plan that provides predictable, stable income throughout retirement - Group insurance including telemedicine - Reimbursement of health and wellness expenses and telework equipment * Benefits apply based on eligibility criteria. What you bring to the table - Bachelor's degree in a related field - A minimum of two years of relevant experience - Please note that other combinations of qualifications and relevant experience may be considered - Knowledge of French is required - Intermediate advanced proficiency of English due to the nature of the duties or work tools or because the position involves interactions with English-speaking partners, members and/or clients Action oriented, Business insight, Complexity, Customer Focus, Differences, Nimble learning Trade Union (If applicable) At Desjardins, we believe in equity, diversity and inclusion. We're committed to welcoming, respecting and valuing people for who they are as individuals, learning from their differences, embracing their uniqueness, and providing a positive workplace for all. At Desjardins, we have zero tolerance for discrimination of any kind. We believe our teams should reflect the diversity of the members, clients and communities we serve. If there's something we can do to help make the recruitment process or the job you're applying for more accessible, let us know. We can provide accommodations at any stage in the recruitment process. Just ask! Job Family Risk management (FG) Unposting Date 2026-04-7

Title: Bilingual Credit Risk Associate, Portfolio Management, Japanese Corporate Banking Location: New York Branch - 1251 Avenue of the Americas Job Description: Do you want your voice heard and your actions to count? Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 150,000 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: Portfolio management for designated customers. Responsible for the underwriting and portfolio management of Japanese Corporate loan portfolio clients. As focusing on subsidiary lending, designated customers will be complex relationships focusing on non-investment grade clients, customers with a large credit exposure, structured finance transactions, and customers with complex corporate structures. Major Responsibilities: Portfolio Management & Underwriting - Perform due diligence and regularly scheduled credit reviews. - Analyze credit risk of the designated portfolio, determine accurate ratings and make recommendations of accurate and timely ratings to management; designated customers will be more complicated ones than those assigned to junior PMs, such as lower graded customers, customers with large credit exposure, customers with structured finance transactions, and customers with complex corporate structure. - Prepare detailed credit analysis and credit applications in accordance with Bank’s credit policies and procedures such as Americas Credit Standards, Americas Credit-Related Procedures, Credit and JCB’s internal operating manuals, evaluating the borrower’s industry, business, legal and financial risks, and recommend extensions of credit. - Manage deadlines and workload in accordance with the schedule. - Function as a subject matter expert with regard to particular industries and industry subsectors. - Fully understand and be able to assess risk of standard bank products including loans, standby letter of credit, trade finance, foreign exchange, derivatives, securitization, and lease. - Interview the borrower’s senior management to assess their business/financial risks/challenges. Maintain direct communication with assigned customers, if needed by RM (relationship manager). - Coordinate and communicate critical account information to various related parties throughout the bank. - Oversee covenants compliance, facility due date, condition/instruction/report required, and call memos. - Perform other risk related functions as needed. Deal Support - Work with business lines/product groups to identify prospective transactions. - Lead new deals with moderate complexity for both existing and new customers from the credit underwriting perspective with moderate supervision. Experienced associates can identify structural risks and mitigants in prospective transactions and recommend/enhance structuring of deals and covenant in line with policies and procedures. Manager will periodically check in, however, associates can also make appropriate judgement when to escalate/consult with the manager where necessary. - Advise account officers on credit risk issues, terms and conditions to craft the best possible deal with the goal of improving profit and minimizing credit cost. - While closely consulting with manager, communicate with credit division/administration with regard to rating rationale, facility structuring/exposures and ensure credit division provided with all credit related information and analysis pertinent to making a decision. Policy Compliance - Ensure compliance with external regulatory requirements (JFSA, BOJ, FRB, OCC and FDIC). - Ensure compliance with internal policy and procedures by understanding and adhering to Americas Credit Standards, Americas Credit-Related Procedures, Credit Rules, Procedures for Credit Ratings, JCB Operating Manual, and any other applicable pronouncements. Support Dept. managers in credit risk management process. - Support junior analysts on OJT basis as assigned by the manager (experienced associate). - Study, develop and improve analytical skills through close communication with related divisions, such as Americas Credit Rivew, Credit departments, Credit Policy Office and other Credit Divisions with support from managers. - Assist managers in the training efforts. - Maintain and monitor compliance reporting requirements. Qualifications Requirements include: - Ability to multi-task and work under high stress and time-sensitive work environment - Strong time management skills; attentive to details for accuracy and integrity - Strong organization skills and ability to manage multiple projects - Proficient in MS Office including Outlook, Word, Excel and PowerPoint. Knowledge in banking applications is a plus. - Sound knowledge in finance, accounting, legal, regulations for commercial banking products - Bachelor’s degree in a related field such as accounting, finance. - MBA/ CFA, a plus - 3-5 years working experience in large financial institutions, credit and risk related function in equivalent organizations analyzing general corporate customers and making credit recommendations or other financial related roles such as M&A in accounting firms, business analysis in accounting/ consulting firms, analyzing subsidiaries performance in corporate finance function. - Previous experiences including handling a segment of an industry vertical or a primarily investment grade commercial loan portfolio and coordinating with execution team for proper booking of newly assigned accounts, preferred. - Japanese language skills - Demonstrate innovative and strategic thinking The typical base pay range for this role is between $90K - $121K 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 We will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws (including (i) the San Francisco Fair Chance Ordinance, (ii) the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance, (iii) the Los Angeles County Fair Chance Ordinance, and (iv) the California Fair Chance Act) to the extent that (a) an applicant is not subject to a statutory disqualification pursuant to Section 3(a)(39) of the Securities and Exchange Act of 1934 or Section 8a(2) or 8a(3) of the Commodity Exchange Act, and (b) they do not conflict with the background screening requirements of the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA). The major responsibilities listed above are the material job duties of this role for which the Company reasonably believes that criminal history may have a direct, adverse and negative relationship potentially resulting in the withdrawal of conditional offer of employment, if any. 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.

Role Description O2B Early Education is on the lookout for a proactive and detail-oriented Risk Manager to join our team. The Risk Manager will play a crucial role in identifying, assessing, and mitigating potential risks to ensure the safety of our children, staff, and facilities. - Conduct regular risk assessments and audits across all locations to identify potential safety hazards and compliance issues. - Develop and implement risk management policies and procedures to enhance safety and minimize liability. - Collaborate with staff and management to create a strong culture of safety awareness. - Provide training and guidance on safety protocols and emergency procedures to all employees. - Coordinate incident reporting and management, investigating accidents or issues to determine causes and preventive measures. - Maintain up-to-date knowledge of local, state, and federal regulations related to childcare facilities. - Work closely with insurance providers and legal counsel to manage risk exposures. Qualifications - Bachelor's degree in risk management, safety management, or a related field. - 3+ years of experience in risk management or a related role, preferably in the education sector. - Strong knowledge of safety regulations, risk assessment techniques, and crisis management. - Excellent analytical and problem-solving skills. - Demonstrated ability to communicate effectively with diverse groups. - Proactive approach to identifying risks and implementing solutions. - Certifications in risk management or safety (preferred). Benefits - 80% off of preschool or afterschool tuition for 2 children (50% off each additional) for full-time employees. - First four weeks of tuition for two children free at time of hire. - Paid holidays for full-time employees. - Paid time off for full-time employees. - Health insurance for full-time employees. - Dental, Vision, and other voluntary plans for full-time employees. - Pet Insurance. - TeleDoc. - 529 college savings plan. - Direct deposit and paperless pay checks. - 401(k) with employer contribution for qualifying employees. - Wage is based on experience and credentials. - Willing to consider fully remote applicants. Company Description Want to learn more about O2B Kids? Check out our website www.o2bkids.com/careers .

• Oversee our legal and regulatory compliance frameworks, ensuring we maintain the highest governance rating. • Design and manage the annual governance and assurance plan, embedding good practice across the organisation. • Develop and maintain Stonewater’s assurance framework, policy database, and delegation structures. • Champion awareness of governance, compliance, and data protection through training and organisation-wide engagement. • Coordinate internal audit activity and ensure effective risk management aligned to Board appetite. • Lead our approach to crisis management and business continuity to safeguard essential operations. • Act as an authorised signatory for legal documentation and ensure effective processing of contractual documents. • Provide expert advice to Board Members, senior leaders, and colleagues at all levels. • Manage a small team of Governance & Assurance Officers and oversee governance and internal audit budgets.