Credit Quality Assurance

6 months ago


Toronto, Canada MUFG Canada Full time

**Do you want your voice heard and your actions to count?**

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 7th largest financial group in the world. 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.

Job Summary:
The main function of this role is to assist the QA Team in its reviews and analyses of complex credit actions for a range of factors in assessment areas.

Reviews and analyses of complex credit actions for a range of factors in assessment areas listed below:

- TTM rapid rating deterioration (Pass to non-Pass)
- Regulatory rating assessment/conclusions - Internal rating (BR/ASR, etc.) assessment/conclusions
- Timeliness of Reviews
- Internal vs. Regulatory Ratings
- Regulatory Leverage Assessment
- SLoD Effective Challenge (evidence/quality)
- Appropriate Exercise of Delegated Approval Authority
- Standards, Procedures, and MAUG Exceptions
- Application Content Completeness
- Ad Hoc as recommended by QA team, senior management, or CRC

Assessment Preparation and Review:

- Gather and prepare data for evaluation and trend identification through on-going and risk-based monitoring of credit actions.
- Conduct portions of individual credit assessments for review and finalization by team members.
- Develop and/or work with team members to develop and review samples for assessment.

Documentation and Record-Keeping:

- Document results of monitoring and assist in the compilation of periodic risk assessments of assigned credit actions or portfolio reviews.

Communication and Collaboration:

- Assist in communication with impacted stakeholders regarding assessments. Prepare report content for inclusion in QA Team presentations to governance bodies and impacted business units.
- Maintain effective working relationships with QA Team members and stakeholders in its processes. May work in a team environment for special assignments as part of CARM, Credit Planning and Credit Standards.

Technical Skills:

- Proficiency in the Microsoft Office product suite
- Familiarity with MUFG systems including GCARS, MCC and LVL

Experience and Abilities:

- Ability to assist in the analysis of portfolio trends, identification of signs of changing risk levels and/or symptoms of process control breakdowns.
- Ability to identify opportunities for continuous improvement of processes related to areas assessed.

Education and Training:

- A BA or BS degree preferred with 3+ years credit / lending / examination or related experience

Working Conditions:

- 4 days a week in office, 1 day from home

Each of MUFG Bank Canada and MUFG Securities Canada is an equal opportunity employer.



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