Credit Risk Auditor Jobs (NOW HIRING)

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.
The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. A member of our recruitment team will provide more details.
Overview
In this role, you will provide independent assurance over the quality of the bank's credit risk management practices and its largest lending portfolios. You will gain deep exposure to a diverse range of businesses, including project finance, energy sector finance, asset-based lending, and portfolios across Latin America and Canada.
You will lead and execute credit review examinations, assess credit risk management effectiveness, evaluate borrower risk ratings, and provide valuable insights to senior stakeholders. The role requires a strong understanding of corporate credit risk, regulatory expectations, and risk governance frameworks.
You will collaborate with business leaders, credit executives, and audit partners to identify emerging risks, improve credit risk management processes, and ensure adherence to regulatory and internal standards. You will also leverage data analytics and emerging technologies to improve examination efficiency and strengthen continuous monitoring activities.
This position offers meaningful leadership opportunities, executive exposure, and the ability to influence risk management practices across the enterprise while building expertise in credit review, governance, and stakeholder management.
Key Responsibilities
Lead Credit Review Examinations

• Execute and deliver risk-based credit review engagements across Global Commercial Banking, Global Corporate & Investment Banking, Global Markets, Japanese Corporate & Investment Banking, Capital Markets, Securitized Products, and Transaction Banking.
• Evaluate the effectiveness of credit risk management practices, borrower risk ratings, and portfolio monitoring activities.
• Assess compliance with internal policies, regulatory requirements, and established credit standards.
• Develop examination scopes, objectives, testing procedures, and work plans.

Credit Review Planning & Delivery

• Maintain the credit review risk universe and support ongoing risk assessment activities.
• Deliver examination engagements with appropriate coverage based on identified risks.
• Produce executive-level examination reports with clear conclusions and actionable recommendations.
• Present findings and key risk themes to senior management and stakeholders.

Credit Review Leadership

• Act as Examiner-in-Charge (EIC) and lead examination teams when required.
• Provide coaching, guidance, and performance feedback to team members.
• Ensure examinations are completed on time and within established quality and performance metrics.
• Maintain adherence to credit review methodologies and documentation standards.
• Escalate findings and monitor remediation plans through resolution.

Stakeholder Management

• Develop and maintain strong relationships with senior business leaders and credit executives.
• Provide independent challenge and guidance regarding credit risk management practices.
• Share industry trends, emerging risks, and regulatory developments with stakeholders.
• Lead discussions and regular meetings with management teams throughout the examination lifecycle.
• Influence enhancements to credit risk frameworks, controls, and governance processes.

Continuous Monitoring & Risk Assessment

• Identify emerging risks through portfolio monitoring and ongoing risk assessments.
• Utilize data analytics and technology solutions to improve examination effectiveness and efficiency.
• Ensure data quality and integrity throughout examination activities.
• Support enhancements to monitoring processes and risk identification strategies.

Collaboration & Reporting

• Partner with business units to support continuous improvement initiatives.
• Contribute to reporting, KPI tracking, methodology updates, and program documentation.
• Coordinate with internal and external auditors as needed.
• Prepare presentations, risk summaries, and ad hoc management reporting for senior leadership.

Qualifications

• 5+ years of experience in first-line, second-line, or third-line corporate credit risk management.
• Experience within the financial services industry and/or regulatory environment.
• Experience leading credit review, audit, examination, or risk assessment engagements.
• Strong understanding of corporate credit risk management and lending practices.
• Experience conducting risk assessments and testing control effectiveness.
• Strong project management, analytical, and problem-solving skills.
• Excellent verbal and written communication skills, including executive report writing.
• Ability to influence stakeholders and communicate effectively across multiple levels of the organization.
• Proficiency with Microsoft Office applications including Excel, Word, PowerPoint, and Outlook.

Preferred Skills

• Experience with data analytics, AI tools, and technology-driven process improvements.
• Continuous monitoring experience within risk management, audit, or credit review functions.
• Knowledge of project finance, energy finance, asset-based lending, and commercial banking portfolios.
• Understanding of credit governance frameworks and regulatory expectations.
• Ability to leverage emerging technologies to improve examination quality and efficiency.
• Strong leadership presence and ability to manage complex stakeholder relationships.
• Enterprise-wide perspective with a focus on strategic thinking and continuous improvement.
• Demonstrated ability to operate effectively in complex and evolving business environments.

Education

• Bachelor's degree or equivalent work experience required.
• Preferred degree in Finance, Accounting, Business Administration, or a related discipline.
• Advanced degree preferred.

The typical base pay range for this role is between $127,000-$177,000 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 (in accordance with the eligibility requirements and respective terms of each) 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. For more information on our Total Rewards package, please click the link below.
MUFG Benefits Summary
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 (including (i) the San Francisco Fair Chance Ordinance, (ii) the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance, (iii) the Los Angeles County Fair Chance Ordinance, and (iv) the California Fair Chance Act) to the extent that (a) an applicant is not subject to a statutory disqualification pursuant to Section 3(a)(39) of the Securities and Exchange Act of 1934 or Section 8a(2) or 8a(3) of the Commodity Exchange Act, and (b) they do not conflict with the background screening requirements of the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA). The major responsibilities listed above are the material job duties of this role for which the Company reasonably believes that criminal history may have a direct, adverse and negative relationship potentially resulting in the withdrawal of conditional offer of employment, if any.
The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.
We are proud to be an Equal Opportunity Employer and committed to leveraging the diverse backgrounds, perspectives and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate on the basis of race, color, national origin, religion, gender expression, gender identity, sex, age, ancestry, marital status, protected veteran and military status, disability, medical condition, sexual orientation, genetic information, or any other status of an individual or that individual's associates or relatives that is protected under applicable federal, state, or local law.