Title: Bilingual Credit Risk Associate for Japanese Corporate Banking in Los Angeles, CA Location: Los Angeles United States 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 - $129K 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.

Title: Bilingual Credit Risk Associate for Japanese Corporate Banking in Los Angeles, CA Job Description: locations Los Angeles, CA time type Full time job requisition id 10077764-WD 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 - $129K 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.

Title: Senior Consultant or Manager - Financial Risk (Banking) Location: Warrang – Sydney or Naarm - Melbourne, Australia Job Description: At EY, we're all in to shape your future with confidence. We'll help you succeed in a globally connected powerhouse of diverse teams and take your career wherever you want it to go. Join EY and help to build a better working world. The opportunity As our Senior Consultant/Manager -Financial Risk (Banking), you'll work with clients in Financial Services to support the management and measurement of financial and treasury risks including market risk, credit risk, liquidity risk, operational risk, and climate risk. Engagements will vary and will commonly be centred around business initiatives spanning risk strategy, transformation, understanding regulatory requirements, and the development, validation, and use of models. You will work closely with other financial services risk practitioners, technology consulting, and financial accounting teams to support clients' often highly specific and complex requirements. You will get to work with a highly driven team across a range of projects focused on financial risks that banks and other financial services companies are exposed to. You will get the opportunity to leverage your quantitative, statistical, or analytical skills to support model development and model validation engagements. This is a hybrid role based in Warrang - Sydney or Naarm - Melbourne Your Key Responsibilities You'll provide financial risk consulting to clients mainly within the financial services sector. Your responsibilities will include managing projects and delivering results and strategic advice that help clients handle risk, optimise performance, and develop growth strategies. You'll have opportunities to: - Work with a diverse range of clients, making a significant impact in both the public and private sectors - Develop and implement financial risk models and methodologies tailored to client needs - Conduct risk assessments and provide strategic advice on risk management and regulatory compliance - Mentor and develop junior team members, fostering a culture of continuous learning and development - Analyse and interpret data to uncover critical insights for informed decision-making Skills and attributes for success - Qualifications and Experience: A Bachelor's degree in Actuarial Science, Mathematics, Statistics, Finance, Engineering or a related field. Completed, or progressing towards, a professional actuarial qualification (e.g., FIAA or CFA), with 3 to 7 years of professional experience in a related role. Experience with coding, programming, and AI/GenAI is highly valued. - Skills and Abilities: Proven analytical and problem-solving skills; strong quantitative abilities; proficiency with financial risk modelling software and programming languages such as SAS, R, and Python. Excellent communication and interpersonal skills for building and maintaining client relationships, and the ability to present complex information clearly to non-specialists. - Industry Knowledge: In-depth understanding of the banking sector. Experience in areas like credit risk modelling (provisioning and capital), market risk (traded and non-traded), capital and stress testing, risk management, controls, prudential standards is advantageous. Ideally, you'll also have the skills and attributes below but don't worry if you don't tick all the boxes. We're interested in your aptitude, attitude and willingness to learn. - Project Management and Leadership: Ability to manage projects, seek new business opportunities, and mentor junior staff. Demonstrates initiative, a can-do attitude, and a willingness to try new approaches. - Adaptability and Continuous Learning: Comfortable with complexity and flexible in a dynamic, technology-driven environment. Commitment to staying up to date with market trends, legislation, and regulatory changes, and contributing to business thought leadership. We're interested in your strengths, aptitude, and willingness to learn. Don't worry if you don't meet every criteria-what matters most is your attitude and potential. What we offer you At EY, we'll fuel you and your extraordinary talents in a diverse and inclusive culture of globally connected teams. Learn more. - Career development: At EY, your career is yours to shape! We'll develop you with future-focused skills and equip you with world-class experiences ey.com/au/careerdevelopment - Flexible work arrangements: Our flexible work policies empower you to balance your professional and personal life, fostering a culture of trust and autonomy. - A comprehensive benefits package: From a yearly wellness incentive, to access to additional 8 weeks of flex leave per year, and family-friendly policies, including up to 26 weeks of gender-neutral paid parental leave, we cater to your diverse needs to help you thrive both personally and professionally ey.com/au/benefits - Salary: We offer a competitive salary which is open to negotiation pending on skills and experience.

• Proactively solicits new and renewal business from Sales Producers • Acts as a resource for carrier information, including appetite guides, carrier brochures, whom to contact, and other important information • Mentors regional risk placement team members • Trains team members on duties, expectations, standards, and policies • Works with the Director of Placement, National Accounts to oversee employees’ day to day activities and implement projects and directives • May participate in the hiring process and provide recommendations for new hires • Oversees and manages the new hire onboarding process to ensure success of new risk placement associates • Holds monthly renewal meetings with Sales Producers and Account Managers to designate accounts that need to be marketed through the Placement Team • Reviews applications and obtains additional information from Sales Producers or Account Managers as needed • Partners with Sales Producers to ensure the prospect's needs have been met • Collaborates and implements a renewal strategy based on potential and existing clients’ risk profiles, market conditions, and carrier options • Develops the submission narrative describing risk, losses & controls, target premium, and quote due date • Makes complete submissions to markets including, but not limited to, 3-5 year loss runs with a summary spreadsheet, completed supplemental applications, financial statements, photos, brochures, etc • Follows up with markets to ensure submissions were received and to inquire whether further information is required • Compares quotes received with application and other quotes • Prepares and completes proposals • Utilizes AMS360 and ImageRight to document the placement process and to collaborate with the service team • Engages with insurance carriers to negotiate favorable renewal terms • Proactively identifies opportunities to enhance client satisfaction and retention by providing exceptional service • Builds and maintains strong relationships with insurance carriers, underwriters, and clients (internal and external) • Adheres to legal and regulatory requirements in the insurance industry