6 Loan Officer jobs in London

Job Description

Objectives:

Take ownership of non-performing loans portfolio across the business, assessing the health of the portfolio and ensuring adherence with internal and regulatory standards. Analyse the risks of nonperforming loans and their impact on the wider portfolio. Implement strategies for recovery including restructuring, negotiations or legal action. This position requires a seasoned risk professional with extensive experience in real estate financing, particularly within the private equity sector. Show strong commercial acumen and operational discipline in implementing and monitoring the function, with the focus of minimising losses by restructuring and if necessary maximising recoveries for the business.

Responsibilities:

Portfolio Oversight: Monitor and manage the NPL portfolio to assess its performance and health, ensuring compliance with internal and regulatory standards.

• Risk Assessment: Analyse credit risks associated with non-performing loans, identifying the causes of defaults and potential impacts on the portfolio.

• Restructuring and Recovery Strategies: Develop and implement strategies for early engagement with borrowers in line with the risk management framework. Recommending the appropriate action which may include restructuring, renegotiation, or legal action.

• Financial Analysis: Conduct detailed financial analysis of borrowers to determine their repayment capabilities and potential recovery options.

• Reporting: Prepare and present reports on the status of the NPL portfolio to senior management, identifying trends, risks, and recovery progress.

• Collaboration: Early engagement and close working relationships to be established with other departments, such as origination and legal to initiate clear strategies to restructure Shojin's position thereby avoiding the need to commence legal actions if possible.

• Technology: Utilize credit risk management software and tools to analyse data and improve decision making processes.

• Training & Development: Provide guidance, feedback and training to team members to enhance their understanding of credit risk management and. Particularly, to understand the learning from restructurings and recoveries.

• Crisis Management: Develop strategies for dealing with customers in financial distress and lead on recovery and restructuring negotiations.

• Management: Advocate for and help develop policies and procedures related to managing non performing loans and recoveries.

• Stakeholder Engagement: Maintain communication with stakeholders, including clients and senior management, regarding status updates and recovery strategies.

Essential Skills:

• Attention to Detail: Crucial for identifying potential risk issues and credit risks.

• Regulatory Knowledge: In-depth understanding of regulations and other relevant financial laws. Including, Insolvency process and relevant laws.

• Communication: Effective communication skills to provide clear guidance and training.

• Ethics and Integrity: High ethical standards to ensure unbiased and fair compliance practices.

**Do you want your voice heard and your actions to count?**
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups. Across the globe, we're 120,000 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**
+ The Credit Analysis team is the Bank's first line of defence, sitting alongside CIB bankers to promote an optimal risk / return on the banks' lending opportunities.
+ The department comprises 50+ individuals organised across five sector-oriented teams. Each credit analyst is responsible for managing the risk exposure of an EMEA wide portfolio. Analysts work with Front Office counterparts on live transactions and portfolio monitoring to identify and mitigate risks associated with the counterparty, deal structure, documentation, industry and macroeconomic environment.
+ CAD supports analyst progression through a commitment to learning and development, combining on the job experience with internal and external training, including sponsorship of CFA studies.
+ The department draws team members from a wide range of backgrounds, including candidates with accountancy, rating agency and other banking experience.
**Main Purpose of the Role**
+ The credit analyst's role focuses on the preparation of forward-looking fundamental analysis in support of client onboarding, live transactions, facility renewals and annual reviews.
+ The analyst will manage an individual portfolio and, over time, be expected to develop both a sector expertise and deep individual counterparty understanding, facilitating a comprehensive top down and bottom up risk review process.
+ The role includes actively monitoring portfolio performance, undertaking regular qualitative and quantitative corporate analysis, conducting client due diligence, developing forecast models and ultimately making recommendations on both internal credit ratings and transaction proposals.
+ The role sits in the Utilities & TMT sector team, with the portfolio covering counterparties mainly across Western European jurisdictions.
**Key Responsibilities**
+ Participate in credit due diligence as part of the portfolio review process, as well as in the onboarding of new clients and following key risk events.
+ Quickly assess pertinent credit issues, raising salient points to the correct stakeholders and analyse the risk reward trade-off.
+ Work diligently to develop technical skills and industry knowledge related to the role, working towards sectoral and/or jurisdictional expertise.
+ Ensure accurate and timely compliance with internal rules and reporting procedures.
+ Demonstrate ability to multi-task and manage ever changing and often conflicting priorities.
+ Undertake specific country and industrial sector research and other department/ bank wide project work as appropriate.
+ As directed support the development of other junior staff members assigned to the team.
**Work Experience**
+ Experience in fundamental credit analysis gained in either a bank, asset manager or rating agency environment. There should be an emphasis on credit analysis in the context of a transaction or event.
+ Alternatively, an ambitious newly qualified ACA looking for a career in banking will be considered.
**Skills and Experience**
**Functional / Technical Competencies:**
+ Experience working with IG and NIG counterparties. Utilities and/or TMT sector coverage would be viewed favourably, albeit not mandatory.
+ A strong quantitative background with a solid understanding of accounting and financial data analysis.
+ A clear and concise business writing style reflecting a capacity to distil critical information from large data sources.
+ Ability to conduct thorough due diligence and form a forward-looking view using cash flow modelling and stress testing.
+ A good understanding of loan and ISDA/CSA documentation, market risk and key credit protections is beneficial.
**Education / Qualifications:**
+ Professional qualifications desirable (e.g. CFA, ACCA, ACA, ACT or similar qualifications). There is scope for MUFG to sponsor professional qualifications such as the CFA.
**Personal Requirements**
+ A proactive, motivated approach.
+ The ability to operate with urgency and prioritise work accordingly.
+ The capacity to manage large workloads and tight deadlines.
+ Strong decision-making skills, with the ability to demonstrate sound judgement.
+ A structured and logical approach to problem solving.
+ Excellent attention to detail and accuracy.
+ Strong numerical skills.
We are open to considering flexible working requests in line with organisational requirements.
MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.
We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the 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

**Do you want your voice heard and your actions to count?**
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups. Across the globe, we're 120,000 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**
Japanese Corporate Banking Division (London) is a front office in charge of business development of customers located in United Kingdom, Ireland and other demarcated countries in EMEA of which ultimate parents are Japanese Corporates.
Credit analyst team sits within the Corporate Banking Department together with the relationship management team, and its main responsibilities is to support the existing credit related businesses as well as origination of new credit businesses.
**NUMBER OF DIRECT REPORTS**
None
**MAIN PURPOSE OF THE ROLE**
+ The role will require an ability to meet specific deadlines for the facility and borrower rating renewals of existing customers, as well as to be able to respond to an urgent ad-hoc request from the customer/RM's requests, any credit related support including documentation process to be given for the origination of new businesses.
+ Responsible for supervising the team members for the execution of objective analysis in respect of credit granting and credit control and to support relationship managers with the credit risk management queries while ensuring and providing a high level of (internal) customer service in line with agreed procedures and service standards.
**KEY RESPONSIBILITIES**
+ Perform submission of credit and borrower rating applications as well as other monthly and quarterly reports for the complex customers and core customer groups in line with the Bank's global rules on a timely manner.
+ Provide high quality credit analysis and monitoring for the assigned customers within Japanese Corporate Banking Division (London) along with the specific sector/industry analysis in order to submit applications and relevant reports.
+ Collaborate with other branches/offices, primary offices and credit division to deliver the transaction to meet the customers' needs.
+ Managing the daily workflow processed by the team effectively by coordinating with the team leader of credit analyst team the available resource and monitoring workflow. Provide assistance where the additional resources are required.
+ Develop and enhance the skillset of the team by reviewing applications and reports prepared by each team members and assist them to complete before circulating to the relationship management team to ensure sufficient quality is maintained and to ensure compliance to rules, policies and procedures of the Bank.
+ Maintain awareness of developing market sector and business trends in EU/Europe and on a world-wide basis.
+ Undertake and support various credit related tasks as directed by the team leader of credit analyst team, as well as the Department Head and the senior management.
+ Drive ongoing process improvement activities by identifying opportunities to increase efficiency, accuracy and collaborative working with particular attention to the quality of credit risk analysis.
+ Provide assistances and training to implementation of processes and standards for JCBD credit risk space to ensure compliance with internal and external regulations and guidelines.
+ Demonstrate MUFG's values, specifically operate with integrity, professionalism and strong teamwork within JCBD.
**WORK EXPERIENCE**
+ Relevant experience in credit analysis in subsidiary banking business for large/medium sized Japanese Corporates
+ Required knowledge and experience in managing credit risks, including but not limited to understanding for risks for certain sector/country/industries, risks for different products and understanding of credit documentation terminologies.
+ Experience in managing teams, interpreting and delivery against divisional strategic objectives
**SKILLS AND EXPERIENCE**
**Functional / Technical Competencies:**
+ Thorough knowledge of credit and risk management, MUFG credit processes and procedures (or similar experience in another organization.), onboarding and originating credit facilities as well as understanding of regulatory requirements.
+ Strong analytical and numeracy skills with a good attention to detail, strong customer focus, sound organizational, interpersonal and networking skills.
+ Problem-solving skills with ability to manage various tasks and work towards tight deadlines.
+ Global perspective, demonstrating inclusiveness through an appreciation of different perspectives and diversity.
+ Sound knowledge and practical skills for Windows, MS Office (Word, Excel, Access, PowerPoint) Microsoft Outlook.
+ Verbal and written communication skills in English and Japanese are essential.
**Education / Qualifications:**
+ Degree Level and/or relevant industry expertise
**PERSONAL REQUIREMENTS**
+ Candidate must be aware of Japanese working culture and its demand
+ Excellent communication and interpersonal skills
+ Results driven, with a strong sense of accountability
+ A proactive, motivated approach
+ The ability to operate with urgency and prioritize work accordingly
+ The ability to demonstrate sound judgement
+ Strong problem-solving skills
+ The ability to manage large workloads and tight deadlines
+ A calm approach with the ability to perform well in a pressurized environment
+ Excellent attention to detail and accuracy with strong numerical skills
+ Excellent Microsoft Office skills
We are open to considering flexible working requests in line with organisational requirements.
MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.
We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the 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

**Do you want your voice heard and your actions to count?**
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups. Across the globe, we're 120,000 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**
+ The Credit Analysis team is the Bank's first line of defence, sitting alongside CIB bankers to promote an optimal risk / return on the banks' lending opportunities.
+ Credit Analysis is a 50+ team organised into 5 sector corporate teams. Each credit analyst is responsible for managing risk exposure across an EMEA wide portfolio.
+ Analysts work with Front Office teams on live transactions & risk monitoring to identify and mitigate risks associated with the structure, documentation, counterparty, industry and macroeconomics.
**Main Purpose of the Role**
+ We are looking for a senior credit analyst on a 12 month fixed term contract basis to cover a varied portfolio of largely non IG/private company/complex IG corporate credits across the Consumer and Retail space.
+ The credit analyst will perform forward looking fundamental credit calls on live transactions, limit renewals and annual reviews.
+ Along with client meetings the analyst completes a credit opinion including cash flow forecast, recommending approval, a neutral stance, or non-approval of the proposed transaction.
+ Updating financial analysis for quarterly and year end results. Actively monitoring assigned portfolio of IG and NIG corporates for potential changes in credit risk. Assign or update internal ratings.
+ Coach junior team members and assist team manager to review their papers.
+ Assist team manager in the management of the team workflow and other day to day operations/projects/initiatives.
**Key Responsibilities**
+ Lead complex client credit due diligence following key risk events or for on-boarding of new clients.
+ Quickly assess key credit issues, raise salient points to the correct stakeholders and to assess the risk- reward trade off.
+ Ability to multi-task and manage ever changing and often conflicting priorities; Ability to work with a high level of motivation and initiative;
+ Work diligently to develop technical skills and industry knowledge related to the role. Work towards becoming an expert in a sector and/or geography.
+ Ensure accurate and timely compliance with internal rules and reporting procedures.
+ Undertake specific country and industrial sector research as well as leading other team or departmental project work as appropriate.
+ As directed, support the development of junior staff members through coaching and review of work.
**Work Experience**
+ Extensive experience in fundamental credit analysis, preferably gained in a corporate or investment bank.
+ There should be an emphasis on credit analysis in the context of a transaction or event.
**Skills and Experience**
**Functional / Technical Competencies:**
+ Experience of covering Investment Grade, Non-Investment Grade and private company credits.
+ Preference for prior experience in the Consumer & Retail sectors across EMEA, albeit not mandatory.
+ Ability to take a forward looking view using cash flow modelling and stressing testing.
+ Existing experience in coaching, mentoring and reviewing junior credit analysts work.
+ Strong understanding of complex loan/bond documentation and key credit protections. Good understanding of market risk and ISDA's.
+ Languages desirable and ability to work across regions with locally based coverage teams
**Education / Qualifications:**
+ Degree level.
+ Other financial professional qualifications (e.g. CFA, ACCA, ACA etc.) will be seen as highly beneficial.
**Personal Requirements**
+ A proactive, motivated approach.
+ The ability to operate with urgency and prioritise work accordingly
+ Strong decision making skills, the ability to demonstrate sound judgement
+ A structured and logical approach to work
+ Strong problem solving skills
+ The ability to manage large workloads and tight deadlines
+ Excellent attention to detail and accuracy
+ Strong numerical skills
We are open to considering flexible working requests in line with organisational requirements.
MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.
We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the 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

**Do you want your voice heard and your actions to count?**
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**
Credit Strategy Group (CSG) implements and facilitates the Chief Credit Officer's (CCrO) responsibilities for credit portfolio risk management and ensures a robust operating environment to managing credit risk. CSG in EMEA is responsible for:
+ Defining Credit Strategy and Credit Culture through Credit Risk Appetite and Credit Risk Policies & Procedures.
+ Providing insight into portfolio risks and proposing optimisation strategies to Front Office.
+ Identification of emerging risks (e.g. single name, country, sector) and highlighting portfolio vulnerabilities.
+ Ensuring a robust Risk and Control environment to support the Credit Risk Framework
+ Supporting global and EMEA Credit Risk Management.
This function includes the following teams: Credit Risk Policy & Framework (CRPF), Credit Portfolio Analysis (CPA) and Credit Solutions Management (CSM).
**MAIN PURPOSE OF THE ROLE**
+ To support the Head of CSG for EMEA and all CSG Team Heads with initiatives including and not exclusive to credit risk, portfolio reporting and Management Information (MI).
+ To provide insights, analysis and support across the three lines of defence in EMEA. This would involve being a central contact point and liaison for stakeholders; coordinating queries and requests with CSG team members accordingly.
+ To partake in the maintenance, upkeep and enhancement of the core credit risk system in EMEA, across Bank and Securities.
+ To provide team members technical, logistical and diligent support with their day-to-day activities.
**KEY RESPONSIBILITIES**
+ Support the Head of CPA with preparation of CPA materials for the EMEA Risk Management Committee (ERMC), EMEA Credit Risk Committee (ECRC) and other committees/foras as required.
+ To provide portfolio reporting materials and MI for the ECRC, other EMEA forums and initiatives as requested by senior management and stakeholders.
+ To conduct and circulate regular portfolio analysis, insights, MI and reports to stakeholders in Front Office and Credit.
+ To partner with counterparts across different global offices and actively seek opportunities for alignment, collaboration and consistency.
+ Contribute towards establishing analysis, reports and MI to control and monitor EMEA's Credit Risk Appetite and Industry Concentration frameworks.
+ To partake in the maintenance, upkeep and enhancement of the core credit risk system in EMEA.
+ To engage in projects and working groups related to credit risk, portfolio reporting, credit systems, MI and credit strategy across the group.
+ Support the remediation of Self-Identified Issues, regulatory findings and audit points.
+ To monitor and report credit risk insights for the EMEA booked portfolio, ensuring a proactive, transparent and rigorous approach to the management of credit risk and escalation of issues.
+ Provide consultation and advising on the bank's policies and procedures. Give guidance to staff members and other areas of the bank and coach/develop colleagues on these aspects.
+ Propose risk management strategies, frameworks, policies and procedures to stakeholders in the bank.
+ To partner with front and product offices and contribute to the development of the organisational credit strategy for respective sectors/ regions.
+ Ensure effective communication across all levels of management with internal and external stakeholders within EMEA and other regions. Represent CSG or own group effectively in various occasions, equip management and staff members with knowledge by sharing information appropriately in a timely manner.
+ Provide staff members with appropriate tools and resources to carry out their duties.
+ Be a point of contact for junior staff members in relation to credit risk, portfolio analysis, reporting and producing MI.
**WORK EXPERIENCE**
Essential:
+ Extensive experience in Credit Risk Management, especially related to portfolio reporting and MI.
+ Experience in resolving regulatory and audit issues related to credit and credit risk.
+ Experience in using data from different sources to perform portfolio analysis.
Preferred:
+ Minimum 3 year experience on credit risk activities associated with Global Corporates.
**SKILLS AND EXPERIENCE**
**Functional / Technical Competencies:**
Essential
+ Sufficient knowledge Credit Risk Management in Commercial Banking.
+ Prior experience of conducting Portfolio Analysis at different levels of granularity.
+ Excellent Microsoft Office skills.
+ Prior experience of using data visualization tools such as MS PowerBI and Tableau.
Preferred:
+ Prior experience of using SQL.
+ Prior experience of using Visual Basic for Applications (VBA).
+ Regular monitoring of Financial Markets and Macroeconomic events.
+ Prior experience of using Python.
**Education / Qualifications:**
Essential
+ Bachelor Degree
**PERSONAL REQUIREMENTS**
+ Excellent communication skills.
+ Stakeholder management and effective communication.
+ Results driven, with a strong sense of accountability.
+ A proactive, motivated approach.
+ The ability to operate with urgency and prioritise work accordingly.
+ Strong decision making skills, the ability to demonstrate sound judgement.
+ A structured and logical approach to work.
+ Strong problem solving skills.
+ A creative and innovative approach to work.
+ Excellent interpersonal skills.
+ The ability to manage large workloads and tight deadlines.
+ Excellent attention to detail and accuracy.
+ A calm approach, with the ability to perform well in a pressurised environment.
+ Strong numerical skills.
+ Excellent Microsoft Office skills.
We are open to considering flexible working requests in line with organisational requirements.
MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.
We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the 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