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MUFG Credit Officer Project Finance, Vice President- Hybrid in Los Angeles, California

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

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 6th largest financial group in the world. Across the globe, we’re 160,000 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 position will be based in our New York or Los Angeles primary offices, or alternatively in our Houston or Dallas offices. This role is considered to be a “hybrid” workstyle which currently requires up to three days a week in the office.

Summary of role

The credit officer will be part of a dedicated credit risk team supporting MUFG’s market-leading Americas project finance franchise. The team is responsible for credit risk underwriting and management of new and existing project finance transactions in the renewable, power, natural resource, and infrastructure sectors in North and South America. In this role, the credit officer maintains an active, direct dialogue on prospective transactions with deal teams, providing feedback on credit and structuring issues. Primary responsibilities are to evaluate proposed transactions, provide recommendations to credit approvers, and monitor credit exposure within portfolios and individual accounts. The candidate should have experience performing independent credit analysis of project finance transactions, but relevant sector and financial experience will also be considered.

Primary responsibilities

(1) Evaluation of new transactions

  • Analyze credit proposals and deal screening memos and make written credit recommendations to management.

  • Identify risks and mitigants in prospective transactions and recommend potential enhancements in line with internal policies, credit appetite, and market practice.

  • Maintain strong dialogue with origination teams and portfolio management on credit risk issues and deal structures with a goal of balancing business opportunity with prudent risk taking.

  • Liaise with internal subject matter experts to obtain necessary information and analysis in support of credit decisions.

(2) Active portfolio monitoring

  • Conduct regular and ad-hoc credit monitoring of individual exposures. Monitor lower-rated and problem loans on a more frequent basis.

  • Evaluate credit review applications within a designated portfolio, determine accurate ratings and make recommendations to management.

  • Conduct site visits and due diligence and attend bank/customer meetings as required.

  • Coordinate and communicate critical account information to various internal stakeholders.

  • Engage in special projects including new product initiatives, policy development, and sector reviews.


  • Strong analytical skills, written and verbal communication skills, and time-management and organizational skills.

  • In-depth knowledge of credit and risk principles, as well as relevant financial products.

  • Demonstrated experience/knowledge covering relevant industry sectors and finance including structure/financial/cashflow analysis.

  • Previous working experience in financial institutions and/or rating agencies for 5+ years in credit and/or a risk-related function, and/or 5+ years of project finance experience.

The typical base pay range for this role is between $140k – $170k 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.

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.


At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!

Our Culture Principles

  • Client Centric

  • People Focused

  • Listen Up. Speak Up.

  • Innovate & Simplify

  • Own & Execute