Recruitment began on March 12, 2025 and the job listing expires on March 31, 2025.
Job Title: Portfolio and Risk Associate
Department: Real Estate Industries (REI), Japanese Corporate Banking (JCB) Americas
Location: New York
This full-time position is responsible for the active monitoring and management of the loan portfolio, underwriting, structuring, and closing of real estate loans, processing construction loan draw requests, and producing financial and market analyses, which are critical for delivering credit products and services to existing customers and prospects.
This role will manage a portfolio of JCB REI client credit relationships as assigned. Responsibilities also include contributing high-quality research insights on real estate industry risk and/or growth prospects and benchmarking existing real estate financing capabilities against peer banks to the Head of JCB for the Americas and other divisions/departments of the bank.
Candidate is expected to work four days per week in the office and one day remote.
Major Responsibilities:
* Collaborate with Relationship Managers (RM) & Portfolio Managers (PM) in completing credit approval requests.
* Oversee the deal diligence process, including underwriting, rating assignment, credit approval, legal documentation, closing, and portfolio management according to MUFG’s defined policies and procedures.
* Initiate and ensure completion of all required loan documents and agreements that fully represent all facets of credit underwriting and approval package terms and conditions.
* Conduct ongoing credit/risk monitoring through the timely completion of periodic loan reviews to identify the credit quality of the assigned portfolio and communicate credit quality to the Credit Division.
* Process ongoing construction loan draw requests in collaboration with both external and internal business partners to ensure conditions precedent have been met for funding.
* Review Construction Monitoring reports for construction loans and identify any issues/concerns to RMs.
* Collaborate with RMs to increase share of wallet and meet profit targets by identifying cross-sell opportunities.
* Work as part of a team to deliver both credit products and non-credit services to clients and prospects.
* Regularly call on existing clients to obtain information necessary for effective credit monitoring that supports the borrower’s risk profile.
* Adhere to MUFG’s risk vision, and risk management policies and programs; recognize and proactively address risk including but not limited to those associated with Bank Secrecy Act, anti-money laundering, consumer compliance, fair lending, fiduciary responsibilities, and privacy.
* Perform other duties/projects as assigned.
Qualifications:
* 3+ years of commercial real estate financing experience including non-recourse loans for properties located in the United States.
* Extensive experience underwriting commercial real estate term, construction, and bridge loans for various asset classes including multifamily, office, industrial, and retail.
* Deep understanding of commercial real estate loan portfolio management including the completion of periodic loan reviews.
* Comprehensive understanding of the construction development process, including working with construction budgets and processing construction loan draw requests.
* In-depth understanding of banking/capital markets products.
* Demonstrate knowledge of the current regulatory environment.
* Strong interpersonal skills, financial aptitude, and broad analytical ability.
* Excellent oral and written communication skills including business writing, editing, and proofreading skills.
* Ability to work independently and think creatively.
* A Bachelor’s degree is required; an MBA is a plus.
The typical base pay range for this role is between $90K – $120K depending on job-related knowledge, skills, experience, and location. This role may also be eligible for certain discretionary performance-based bonuses and/or incentive compensation. Additionally, our Total Rewards program provides colleagues with a competitive benefits package that includes comprehensive health and wellness benefits, retirement plans, educational assistance and training programs, income replacement for qualified employees with disabilities, paid maternity and parental bonding leave, and paid vacation, sick days, and holidays.
We will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws. The major responsibilities listed above are the material job duties of this role.
We are proud to be an Equal Opportunity Employer and committed to leveraging the diverse backgrounds, perspectives, and experiences of our workforce to create opportunities for our colleagues and our business. We do not discriminate on the basis of any status protected under applicable federal, state, or local law.
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