Director, Credit for Leveraged Finance

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Overview of the Department

The International Credit Division (ICD) function in APAC evaluates and sanctions transaction proposals submitted by the Business and monitors counterparty credit risk. APAC covers all Asia including Australia, New Zealand, Korea, China, Hong Kong and Taiwan. ICD Credit Managers engage with APAC Business colleagues to evaluate business opportunities and credit submissions. Throughout the process ICD supports and advises the Business on due diligence, structuring and documentation requirements to mitigate credit risk. Credit Managers also risk manage and are accountable for their allocated portfolio of names and contribute to portfolio reporting. ICD also contributes and plays a role in the setting of risk appetite and formulation of policy in conjunction with other internal stakeholders.

Main Purpose of the Role

To be responsible for analysing and writing recommendations for transaction proposals to private equity led leveraged buyout (LBO) obligors. Potential and existing deals tend to be complex and will require early engagement and close cooperation with the Business, especially the Leverage and Acquisition Finance team. This engagement is to support and guide the Business in respect to risk appetite, due diligence, structuring and financial modelling. This is an important hire within ICD APAC and the role requires a high calibre individual who can take on a high level of responsibility with minimum supervision and has the capability to progress within the organisation. Ability to deliver within tight deadlines is critical.

Key Responsibilities 

• Providing solutions and adding value to the Business via discussions, due diligence, giving clear guidance on policy and risk appetite, and influencing transaction structures and facility terms & conditions to mitigate risk.

• Present transactions in a concise and clear manner to senior Business and ICD management both locally and overseas for their approval, evidencing deep knowledge of the client, transaction, and risks & mitigants. Provide clearly articulated views on whether a client and proposal is bankable and if not, where appropriate, providing alternatives and risk mitigating solutions.

• Attend internal deal screening committees and communicate credit views and challenges on proposals.

• Evaluation of credit applications, internal borrower ratings and assumptions used for cashflow forecasts for new or existing corporate clients in APAC. This includes reviewing transaction material and the analysis submitted by the Business, where appropriate challenging assumptions and conclusions. 

• Proactively track and monitor allocated portfolio including, but not limited to Leveraged Finance accounts from a counterparty, sector and country perspective, and where issues are identified, elevating these to internal stakeholders. Work with the Business to formulate mitigating actions where material risk issues arise.

• Support new initiatives by the Business providing guidance from a risk perspective. Involvement where appropriate in the development of credit and policy guidelines and participation and support on assigned projects including contribution to change initiatives to drive efficiencies.

• Work collegiately with all stakeholders across divisions, building a network of trusted relationships.

• Active involvement in term sheet, loan documentation and ISDA/CSA review and discussions with Business stakeholders, influencing credit terms where appropriate, ensuring these are acceptable from a risk and commercial standpoint.

Job Requirements

• At least 15 years of corporate credit analysis and structuring experience within the banking/Big 4/ advisory consultancy industry.

• Requires product experience in the analysis and terms of traditional corporate lending and Leveraged Finance, including LBO/MBO’s and structured transactions.

• Experience in risk analysis and formulating recommendations on credit proposals across a broad range of client types, including corporates and private equity across various sectors and countries in APAC

• Good understanding of different sector risk dynamics, drivers and fundamentals, with an ability to apply this in the analysis of counterparty success factors and business and financial risk.

• Strong track record of working closely with Business partners, building trust and adding value by providing clear and early advice on risk appetite, due diligence requirements and structuring, and finding solutions to risk issues.

• Track record of providing a contribution beyond credit risk management, including on credit portfolio reporting, deep dive analysis, contribution to policy, special projects, and ideas for the improvement of process, quality and frameworks.

• Evidencing a strong graduate or post graduate academic record.

• Logical writing skills.

Personal & Other Requirements:

• Excellent written and verbal communication considering the audience and any cultural sensitivities.

• Communicates verbally in a confident and effective manner to stakeholders at any level. 

• Deep analytical skills and the ability to think laterally to find solutions and mitigation to risk issues.

• Ability to see the big picture on proposals and identify key risks and due diligence required.

• Ability to make clear recommendations balancing all risk and commercial considerations.

• Strong problem solving and decision-making skills and sound judgement. 

• Understands the external market and keeps up with market trends.

• Decisive individual but listens and weighs up all views before formulating an opinion.

• Shares and escalates risk issues proposing remediation plans.

• Strong team player focused on team results and success of the Business.

• Excellent interpersonal skills and builds trusted relationships. 

• Resilient individual able to operate under pressure with urgency.

• High integrity and leads by example creating a constructive culture.

We regret to inform that only shortlisted applicants will be notified.

Mitsubishi UFJ Financial Group (MUFG) is an equal opportunity employer. We view our employees as our key assets as they are fundamental to our long-term growth and success. MUFG is committed to hiring based on merit and organsational fit, regardless of race, religion or gender.