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MUFG Union Bank Credit Risk Auditor - Associate/AVP - Hybrid (NC, AZ) in Charlotte, North Carolina

Do you want your voice heard and your actions to count?

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world. Across the globe, we’re 180,000 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.

This is a hybrid position. There are flexible work from home options available. A member of our recruitment team will discuss the options with you in more detail.

Job Summary:

The Credit Risk Auditor role within the Internal Audit function is responsible for executing independent, objective assurance and consulting activities designed to assess and evaluate the effectiveness of the Bank’s governance, risk management and control processes. This role includes, but is not limited to, execution of end-to-end audit process (e.g. planning, fieldwork testing, reporting, issues validation, etc.) and independently owning audit administration activities and project deliverables across the organization. Limited travel may be required for the position, with an estimated range of between 0% to 5% depending on the location of the incumbent and key staff and stakeholders and the audit geography.

Management or Supervision:

No

Major Responsibilities:

  • Maintain compliance with audit methodology, while also operating within industry best practices, applicable regulations, and internal and external professional practice expectations.

  • Act as a leader and role model and continuously improve self and department.

  • Build relationships with peers and clients within organization and exhibit a high standard of performance and professional conduct that will create a culture of integrity and inclusion; where all individual and departmental choices are rooted in good judgment and support MUFG's Principal of Ethics and Conduct.

  • Operate with an innovative and flexible mindset by continuously identifying ways to enhance consistency, efficiency, quality and/or value.

  • Demonstrate professional skepticism and personal accountability.

  • Lead walkthrough meetings and interviews with business stakeholders to develop understanding of business processes.

  • Lead formal discussions with business stakeholders throughout the duration of audit engagements to communicate status or concerns.

  • Identify potential risks and controls and assist in developing scope and work programs.

  • Evaluate design and operational effectiveness of internal controls and identify control weaknesses.

  • Generate insightful, meaningful observations that effectively convey significance and impact on risk and/or risk management practices, reporting findings and audit issues to Audit Management.

  • Prepare workpapers and audit reports with documented results that adhere to methodology, applicable standards and regulatory requirements, using appropriate business and technical language.

  • Document workpapers demonstrating the work was appropriately performed (e.g., detailed lead sheets describing the control attributes that were tested and the results were documented in a manner to support the conclusions reached, effectiveness and sustainable controls are evident in documentation). Documentation should stand alone to enable re-performance.

  • Identify control weaknesses and escalate and discuss findings with Audit Management and business stakeholders as appropriate.

  • Complete work on a timely basis and deliver work products that meet objectives and standards of methodology, applicable standards and regulatory requirements.

Education, Licensure, Year of Experience (and type of work experience):

  • A Bachelor’s degree, preferably in Accounting, Finance, Business Administration or related business discipline at an accredited college or university.

Skills and Experience:

  • Must have credit risk experience performing underwriting / credit analysis or similar experience in one or more of the following areas of Wholesale Banking: Corporate Banking / Leverage Lending / Structured Finance / Investment Banking or similar experience.

  • Audit experience preferred but not a requirement

  • A minimum of 5 years of relevant credit risk experience is preferred

  • Experience with the financial industry and related markets, and related regulatory bodies

  • Demonstrated proficiency in technology as required for assigned areas (MS Office, audit data analytics, etc.)

  • Strong analytical, organizational, multi-tasking and problem-solving skills

  • Strong verbal and written communication

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/Affirmative Action 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.

Some MUFG roles require that individuals be fully vaccinated against COVID-19, subject to exemptions for medical or religious reasons, as well as any other reason required by applicable law or order. Should you be selected for an interview, your recruiter will provide additional information.

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