AVP Credit Manager, Securitisation in City of Westminster

Benefits

• Flexible working arrangements
• Generous pension contributions
• Ongoing training opportunities

Responsibilities

• Review complex credit applications related to asset‑backed finance transactions such as auto & consumer credit, RMBS, trade receivables, and other structured products.
• Collaborate closely with senior colleagues to ensure recommendations are well‑considered and aligned with MUFG's risk appetite.
• Continuously monitor the portfolio in line with internal policies and regulatory guidelines, ensuring timely identification of risks and early action.
• Assist senior members of the Securitisation Credit Team by reviewing credit applications and making balanced recommendations to senior management.
• Support Group Heads in directing the ongoing development of CIB Credit for the EMEA credit risk framework, risk appetite, portfolio monitoring, and early warning systems.
• Develop knowledge across various industries, sectors, countries, players, and financial/legal structures within securitisation and commit to further learning.
• Demonstrate MUFG's Risk Culture Pillars by taking accountability for identifying and mitigating risk, actively managing risk within the department, and role‑modeling risk partnership with colleagues.
• Represent the credit division at internal forums within the region, sharing insights and collaborating with colleagues across departments.
• Support strategic initiatives as an AVP within CIB Credit for EMEA by contributing to projects that enhance credit processes and frameworks.
• Ensure high‑quality written and verbal work when communicating complex credit matters to both senior management and junior staff.
• Operate with urgency, prioritising tasks according to business needs while maintaining accuracy and attention to detail.
• Articulate and implement the vision and strategy for CIB Credit for EMEA through clear direction and effective communication with your team.

Qualifications

• Proven experience in credit or structuring responsibilities within financial institutions, ideally focused on securitisation transactions.
• Familiarity with asset classes such as auto & consumer credit and RMBS, and a solid foundation in corporate banking or structured finance.
• Strong knowledge of credit assessment principles, market and legal aspects relevant to securitisation transactions.
• Excellent written and verbal communication skills, capable of presenting recommendations and collaborating across departments.
• Bachelor’s degree required; master’s degree preferred for advanced analytical capabilities.
• Strong interpersonal skills, empathy, and open‑mindedness for learning new frameworks and adapting to regulatory changes.
• Results‑driven approach with accountability for outcomes delivered under pressure.
• Structured, logical thinking and strong numerical skills to support accurate analysis.
• Advanced proficiency in Microsoft Office tools for reporting and analysis.

Equal Employment Opportunity Statement

We are 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.