MUFG Bank, Ltd
Feb 20, 2026
Full time
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups. Across the globe, we're 150,000 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. OVERVIEW OF THE DEPARTMENT/SECTION MUFG (Mitsubishi UFJ Financial Group) is one of the world's leading financial groups. Headquartered in Tokyo and with approximately 350 years of history, MUFG is a global network with around 2,300 offices in over 50 countries including the Americas, Europe, the Middle East and Africa, Asia and Oceania, and East Asia The group has over 150,000 employees, offering services including commercial banking, trust banking, securities, credit cards, consumer finance, asset management, and leasing.As one of the top financial groups globally with a vison to be the world's most trusted, we want to attract, nurture and retain the most talented individuals in the market. The size and range of MUFG's global business creates opportunities for our employees to stretch themselves and reap the rewards, whilst our common values, to behave with integrity and responsibility, and to build a culture which is fair, transparent, and honest, underpin everything that we do. We aim to be the financial partner of choice for our clients, whatever their requirements, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.MUFG's shares trade on the Tokyo, Nagoya, and New York (NYSE: MTU) stock exchanges. The group's operating companies include, but are not limited to, Bank of Tokyo-Mitsubishi UFJ, Mitsubishi UFJ Trust and Banking (Japan's leading trust bank), Mitsubishi UFJ Securities Holdings (one of Japan's largest securities firms), and MUFG Americas Holdings.Please visit our website for more information - Credit Review (ECR), as a part of the Internal Audit (EIA) Bank's third Line of Defence, provides independent assurance to the Board and Executive Management on the quality of the credit portfolio and underlying sectors and individual obligors and associated aspects of credit risk management, including the accuracy and timeliness of approved internal ratings. MAIN PURPOSE OF THE ROLE Credit Review Senior Managers will have strong subject matter expertise in credit risk assessment and analysis. They will lead and participate in ECR reviews/engagements, including all elements of planning execution and reporting, within approved budgets and timelines. Assess the appropriateness and effectiveness of credit risk management of obligors in a variety of sectors/ regions and opine on the accuracy and timeliness of internal ratings, as well as, the identification and management of facility risks by the 1st and 2nd line of defence. Maintain constructive relationships with assigned stakeholders and undertake continuous monitoring of assigned credit portfolio(s) and report on the results ensuring a proactive, transparent and impactful approach to the monitoring of credit risk and escalation of issues. Prepare Risk Assessments for Examinable Entities (EE) focusing on the inherent risk and control environment factors which drive the residual risk for each EE. Where required, perform a review and assessment of credit cost and provisioning for underperforming assets. Proactively collaborate with relevant colleagues in EIA and global third line to ensure comprehensive view and communication of emerging risks and associated actions which may be required. Key Responsibilities Perform the review, debate and challenge of borrower ratings and facility risk management across a variety of different regions, industries, sectors and obligors. Develop specialist areas of subject matter expertise within specific sectors and products as assigned to them. Maintain good knowledge of relevant regulatory developments related to credit risk management and governance. Deliver ECR Reviews which are insightful, impactful and value adding. Associated deliverables should require minimal rewrite by the ECR Director and Head of Audit. Provide senior management with a continuing, independent and objective opinion on the quality of credit risk assets and effectiveness of related credit risk management activities. On occasion, represent ECR in working groups covering key credit related aspects such as credit risk appetite, credit controls, policies and procedures. Assist the ECR Director and Head of Audit in effective continuous monitoring of the credit risk universe, risk assessments and provide opinion on strategic plans where required using external industry insights and risk trends. Ensure effective communication across all levels of management with internal and external stakeholders within EMEA and other regions. Execute and deliver ECR engagements to the required methodology and Quality Assurance standards. Assist in agreeing Management Action Plans and Issue follow-up with stakeholders. Often act as lead on ECR Reviews and non-'BAU' initiatives e.g. a working group. Travel across EMEA may be required.Specifically the following responsibilities for all EIA Senior Managers apply: People: EIA Senior Managers are responsible for the line management of staff allocated to them. High performing teams are expected in EIA and therefore the Senior Managers must effectively support performance and talent management. The EIA Senior Manager will be required to influence and negotiate with counterparts across EIA and globally to execute audit assurance. As a Senior Manager, high leadership standards are expected across the wider global function and bank and the role holders will be required to act as role-models and support other EMEA-wide initiatives. EIA Senior Managers will also be required to support non-'BAU' strategic initiatives. EIA Senior Managers are expected to play a lead role in team meetings and be proactive in identifying issues in the department and managing them. Planning: EIA Senior Managers will support Heads of Audit in managing their sections of the risk universe and the related risk assessment. This includes producing the annual audit plan and maintaining appropriate documentary evidence that the plan is risk based and provides the appropriate coverage. Are expected to utilise their subject matter expertise, knowledge of the business, continuous monitoring intelligence and wider industry knowledge to complete the risk assessments applied to the universe. Will be responsible for the development of strategy and approach papers for entities and risks within their team's portfolio. They are expected to improve risk coverage (within their specialist areas in particular, but not limited to this) on a global basis e.g. support thematic coverage globally. Product: EIA Senior Managers must demonstrate accountability and ownership for all aspects of their portfolio. EIA Senior Managers are responsible for the delivery of ECR engagements assigned to them. They must demonstrate at all times a commitment to setting a risk based scope and delivering the work on time, completing all deliverables within Department KPI's (including ECR deliverables, issue validation, data quality etc). Have the ability to lead a portfolio of ECR engagements, which must demonstrate appropriate coverage of the key risks and meet all QA standards. Provide high quality