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.
MUFG, a global financial institution, is seeking a Credit Risk Manager – Real Estate Finance to join the EMEA Financial Institutions Credit Risk Management team in London.
What you’ll do
As a Credit Risk Manager – Real Estate Finance at MUFG, you will play an integral role in managing the credit risk associated with complex real estate financing transactions across EMEA.
- Exercise delegated credit approval authority or make recommendations to senior management on complex real‑estate finance transactions while ensuring continuous monitoring of the portfolio in line with internal policies and regulatory guidelines.
- Represent the Credit Risk Management/Financial Institutions Group at regional and global forums across MUFG entities, sharing insights and influencing decisions that impact real‑estate finance specialisms.
- Analyse counterparty risk arising from both straightforward and highly structured bilateral or syndicated transactions secured by UK/European properties, ensuring balanced risk/return outcomes through detailed scenario modelling.
- Review transaction materials and front‑office analysis, participate in due diligence processes including client meetings, legal reviews, and challenge assumptions as necessary to ensure robust decision‑making.
- Manage ongoing credit risk portfolio activities such as monitoring credit ratings, market events, and client performance to maintain portfolio health and early identification of emerging risks.
- Provide creative solutions by influencing transaction structures and credit risk‑related terms or conditions when required to optimise deal outcomes for all parties involved.
- Collaborate with relevant departments to ensure accurate modelling and measurement of credit risk exposures across all real‑estate finance activities.
- Contribute to the development and implementation of regional/global credit strategies for the FIG sector, including setting risk appetite, underwriting criteria, and limits aligned with business objectives.
- Work as part of a team to negotiate recommendations for new transaction approvals related to real‑estate‑backed loans, warehouses, and traded products.
- Lead due diligence efforts and conduct comprehensive credit analysis to assess counterparty creditworthiness, making informed recommendations on structure, risk appetite, and grading.
What you bring
To excel as a Credit Risk Manager – Real Estate Finance at MUFG, you will bring proven experience managing structured real‑estate financing transactions within leading financial institutions.
- Demonstrated experience working under delegated authority for approving complex transactions is highly desirable.
- A graduate or postgraduate degree focused on finance, economics or accounting provides a strong foundation for success in this position.
- Exceptional written and verbal communication skills are required to effectively present analyses and recommendations to senior stakeholders.
- Advanced analytical abilities combined with sophisticated problem‑solving skills enable you to implement stable solutions in fast‑moving environments.
- A proactive approach coupled with excellent organisational skills allows you to prioritise tasks efficiently under tight deadlines without compromising accuracy or attention to detail.
- Strong interpersonal skills foster effective collaboration across teams while maintaining professionalism during high‑pressure situations.
- Proficiency in Microsoft Office applications supports your ability to manage large workloads efficiently while producing high‑quality reports and presentations.
- A calm demeanour ensures consistent performance even when faced with challenging scenarios or conflicting priorities within dual‑hatted responsibilities.
Equal Opportunity & Diversity
MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions counted. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.
We make our recruitment decisions in a non‑discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.
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