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MUFG Structured Credit Officer, Vice President - Hybrid in New York, New York

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 is a hybrid position. The selected colleague will work at an MUFG office an average of two to three days per week with the remainder worked remotely.

Job Summary

Credit Officer within the Second Line of Defense responsible for providing credit recommendations on new transactions and managing a portfolio of client and transactions. Individual will recommend, monitor and manage transactions and the credit exposure in their portfolio and develop exposure management programs when appropriate. Individuals at this level are knowledgeable of the day-to-day activities associated with managing credit risk.

Major Responsibilities

The individual will be responsible for credit exposures arising from structured credit transactions involving a range of asset types, but principally corporate credit as an underlying asset (e.g. Middle Market corporate loans). They will make recommendations on credit requests based on analysis of relevant credit metrics and structure of a transaction depending on whether recourse or non-recourse including due diligence on sponsors/managers.

The candidate will work closely with the Business Line in the origination and control of such exposures. They are expected to identify the potential credit deterioration of individual transactions/counterparties in their portfolio and maintain timely and accurate risk ratings. Staying current on changes and potential changes in the sector and market or regulatory developments is an important element. Additional responsibilities will include presentations to senior executives and discussions with internal auditors.

Deal Support

  • Work with business lines/product groups to identify prospective transactions, conduct appropriate due diligence of the client and transaction structures and assess the risk potential

  • Identify structural risks and mitigates in prospective transactions and recommend/enhance structuring of deals and covenant in line with policies and procedures.

Policy Compliance

  • Ensure compliance with external regulatory/internal policy and procedural requirements

  • Participate in ad-hoc policy meetings to enhance organization wide credit risk framework

  • In conjunction with the Business Line, help define appropriate reporting and monitoring framework for the portfolio of risk over which oversight is exercised


  • Typically requires a bachelor’s degree in business administration, finance, accounting or other related fields.

  • 5-10+ years of work experience in credit or risk related functions.

  • Coverage of Financial Institutions/Hedge Funds not required, though knowledge and experience in assessing complex financing transactions across a range of collateral types, including structuring, sponsor/manager due diligence / and documentation terms is a strong plus.

  • Strong written and verbal communications skills

  • Experience in analyzing/supporting investment banking products including asset-based lending (securitization, leasing) and understanding of structure risks inherent in such finance is a plus.

  • Knowledge of loan documentation and structural risks in corporate finance.

The typical base pay range for this role is between $140k-$180k depending on job-related knowledge, skills, experience and location. 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