Credit Risk Manager - Real Estate Finance - Vice President

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.

MUFG, one of the world’s most trusted and established financial groups, is seeking a Credit Risk Manager specialising in Real Estate Finance to join their EMEA Financial Institutions Credit Risk Management team in London. This pivotal role offers you the chance to work at the heart of a global institution with over 360 years of heritage, supporting both MUFG Bank and MUFG Securities across a diverse portfolio of real estate finance transactions. You will be empowered to make meaningful contributions, influence strategic decisions, and collaborate with high-profile clients and senior stakeholders. MUFG is committed to fostering an inclusive culture where your voice is heard, your expertise is valued, and your career ambitions are supported through flexible working opportunities and ongoing professional development. If you are looking for a platform to further develop your skills within a supportive environment that values diversity, innovation, and shared success, this is the opportunity for you.

•

Join a globally renowned financial group with over 180,000 employees in 50 markets, offering stability and long-term career growth within the dynamic world of real estate finance.

•

Benefit from a collaborative and inclusive workplace that actively supports flexible working requests and values every employee’s contribution to shared goals.

•

Play a key role in shaping credit risk strategy for high-profile real estate transactions across EMEA, working closely with senior management and cross-functional teams.

What you'll do:

As a Credit Risk Manager – Real Estate Finance at MUFG, you will play an integral role in managing the credit risk associated with complex real estate financing transactions across EMEA. Your day-to-day responsibilities will involve analysing intricate deal structures, collaborating closely with front office teams on new business initiatives, participating in due diligence meetings with clients and legal advisors, and providing expert recommendations on transaction approvals. You will be expected to monitor portfolio performance proactively, respond swiftly to market developments or regulatory changes, and contribute your insights at both regional and global forums. Success in this position requires not only technical expertise but also strong interpersonal skills as you work collaboratively across departments to deliver innovative financing solutions while upholding MUFG’s commitment to prudent risk management. Your ability to balance analytical rigour with practical judgement will be essential as you help shape the future direction of MUFG’s real estate finance business.

•

Exercise delegated credit approval authority or make recommendations to senior management on complex real estate finance transactions while ensuring continuous monitoring of the portfolio in line with internal policies and regulatory guidelines.

•

Represent the Credit Risk Management/Financial Institutions Group at regional and global forums across MUFG entities, sharing insights and influencing decisions that impact real estate finance specialisms.

•

Analyse counterparty risk arising from both straightforward and highly structured bilateral or syndicated transactions secured by UK/European properties, ensuring balanced risk/return outcomes through detailed scenario modelling.

•

Review transaction materials and front office analysis, participate in due diligence processes including client meetings, legal reviews, and challenge assumptions as necessary to ensure robust decision-making.

•

Manage ongoing credit risk portfolio activities such as monitoring credit ratings, market events, and client performance to maintain portfolio health and early identification of emerging risks.

•

Provide creative solutions by influencing transaction structures and credit risk-related terms or conditions when required to optimise deal outcomes for all parties involved.

•

Collaborate with relevant departments to ensure accurate modelling and measurement of credit risk exposures across all real estate finance activities.

•

Contribute to the development and implementation of regional/global credit strategies for the FIG