Credit Risk Management Officer (AVP)

About the role

Mitsubishi UFJ Financial Group (MUFG) is hiring a Credit Risk Management Officer (AVP) in Paris. The Credit Risk Officer supports the independent assessment, monitoring and reporting of the Bank's credit risk exposures within the Risk Management Unit, which acts as the bank's second line of defence for credit, market, liquidity and operational risks. The role works under the guidance of senior risk officers and ensures compliance with the bank's risk appetite, policies and regulatory requirements.

Key responsibilities

• Monitor counterparty exposures, credit limits, concentrations, watch-list indicators and material market or sector developments
• Investigate data exceptions, limit excesses and emerging risks, escalate material issues and support remedial actions
• Prepare management information, portfolio analyses and materials for the Credit Committee and other risk governance forums
• Maintain complete and reliable counterparty, rating and limit data in risk systems and records
• Apply credit policies, risk appetite and delegated authorities consistently, and support regulatory, audit and internal control requests
• Work constructively with business lines while preserving the independence of the second line of defence
• Contribute to process improvements, automation and ad hoc risk analyses, and back up other Risk Management Department activities

Required profile

• Up to three years of relevant experience in banking, credit analysis, risk management, audit, corporate finance or a related field
• Exposure to corporate or financial-institution credit analysis, lending products or counterparty risk is an advantage
• Experience with financial statements, data analysis and management reporting is desirable
• Master's degree or equivalent in finance, economics, accounting, business, mathematics, engineering or another quantitative discipline
• Fluent written and spoken English; professional French is desirable
• Alignment to MUFG values and EMEA cultural principles, integrity, professionalism and results-driven mindset

Required skills

• Sound understanding of financial statements, credit ratios, cash-flow analysis and fundamental credit risk concepts
• Awareness of credit risk governance, internal ratings, limits, collateral, covenants, concentration risk and early-warning indicators
• Ability to analyse qualitative and quantitative information and present conclusions clearly
• Good command of Microsoft Excel and PowerPoint; experience with databases, reporting tools or basic data automation is an advantage