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.

We're seeking a Credit Vice President who will be part of our growing corporate Power & Utilities Portfolio Management team. You will focus on underwriting and portfolio management in the Power & Utilities vertical lending business for investment grade & non-investment grade, leverage finance, and sponsor-based clients.

As a Vice President, you will be responsible for active credit management of a designated portfolio utilizing solid credit and analytical skills, providing continuous oversight of portfolio names, monitoring for potential risk and regulatory rating changes and proactively identifying credit deterioration with the goal of maximizing net income and reducing credit costs.

Responsibilities:

Evaluate prospects and analyze structure of complex financing transactions for new and existing clients within the Power & Utilities vertical
Underwrite new bank debt transactions according to established policies and guidelines for non-investment grade clients and prospects
Manage a portfolio of corporate clients, including periodic reviews and communication of account information across various constituencies throughout the organization
Prepare cash flow projections to assess the debt repayment capacity of borrowers
Review loan documentation and facilitate the closing of transactions
Coordinate the deal process with credit partners in CDA (Credit Division of the Americas), relationship managers in GRM (Global Relationship Management), and various product partners
Train and guide the junior members of the team

Active portfolio management of designated customers:

Responsible for the management of a portfolio in the Power & Utilities vertical, including regulated electric and gas utilities, independent power producers, project developers and renewable energy holdings companies
Perform due diligence and regularly scheduled reviews
Analyze credit risk of the designated portfolio, determine accurate ratings and make recommendations of accurate and timely ratings to management
Prepare detailed credit analysis and credit applications in accordance with Policy, Credit Rules for Overseas Offices and company's Procedure Manual, evaluating the borrower’s industry/business/legal/financial risks and recommending extensions of credit to management
Coordinate and communicate critical account information independently and directly to various related parties throughout the bank, business line, product groups and credit divisions
Maintain direct communication with assigned customers

Deal Support:

Work with business lines/product groups to identify prospective transactions
Identify structural risks and mitigate in prospective transactions and recommend/enhance structuring of deals and covenant in line with policies and procedures
Advise account officers on credit risk issues/terms and conditions to create a best possible deal with a goal of maximizing profit and minimizing credit cost
Directly and independently communicate with credit division and ensure it is provided with all related information/analysis pertinent to making a decision with little support from management

Policy Compliance:

Ensure compliance with external regulatory/internal policy and procedural requirements
Participate in ad-hoc policy meetings to enhance organization wide credit risk framework

Support and mentor junior analysts in credit risk management process:

Train and support junior analysts on OJT basis as assigned by MD or Director/Team Leader
Guide junior analysts in completing complex assignments
Study, develop and enhance analytical skills of the team through close communication

Skills & Experience:

Bachelor’s degree, CFA is an asset, an MBA and/or degree in Finance, Accounting, or Economics preferred but not required
5+ years of corporate lending experience
Understanding of the power and utility sector, ESG trends or other related work experience is preferred
Strong credit skills and extensive financial modeling skills
Knowledge of standard bank products including loans, letters of credit, derivatives, foreign exchange, securitization and leasing
Strong written, verbal and interpersonal skills
The ability to manage multiple priorities
Effective communication skills and ability to work with senior credit officers, business partners, and clients
Completion of formal credit training program is a decisive asset

The typical base pay range for this role is between $170K - $190K depending on job-related knowledge, skills, experience and location. This role will be eligible for certain discretionary performance-based bonus 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.

About the company

MUFG is a large financial services group formed in 2005 by merging Mitsubishi Tokyo Financial Group and UFJ Holdings. It provides a wide range of services, including commercial banking, trust banking, securities, credit cards, and asset management, through a global network of banks, trust banks, securities firms, and asset management subsidiaries. Its products work by offering loans and deposits, investment products, payment services, and financial advisory to individuals, businesses, and institutions via branches, digital platforms, and partnerships. The company differentiates itself with its size and global reach, a diversified mix of financial offerings, and strategic international investments (notably the 2008 stake in Morgan Stanley) that expand its US and global presence. MUFG’s goal is to support economic growth worldwide by providing comprehensive financial solutions and pursuing sustainable finance and innovation.

Company Size

10,001+

Company Stage

IPO

Headquarters

Tokyo, Japan

Founded

2006

Get referred to Mitsubishi UFG

See people who can refer or advise you

Simplify's Take

What believers are saying

MUFG first-quarter profit rose 48% on higher loan margins in August 2026.
September 2026 stablecoin consortium includes twenty-one institutions, expanding MUFG's digital distribution reach.
September 2026 private-credit collaboration talks with BlackRock open a higher-fee market in Japan.

What critics are saying

MUFG's September 2026 BlackRock private-credit talks stay nonbinding, delaying fee growth.
Stablecoin consortium aims for H1 2027 launch; compliance failures stall the platform.
Europe merger and new banking-license execution expose MUFG to integration slippage and wasted capital.

What makes Mitsubishi UFG unique

MUFG pairs Tokyo scale with Morgan Stanley, BlackRock, and JAXA partnerships.
MUFG Bank Europe and securities merger targets a true universal-bank platform.
MUFG Emut Bank license deepens product breadth beyond traditional commercial banking.

Help us improve and share your feedback! Did you find this helpful?

Benefits

Health Insurance
401(k) Retirement Plan
Paid Vacation
Paid Sick Leave
Paid Holidays
Parental Leave
Professional Development Budget
Remote Work Options
Flexible Work Hours

Company News

Renew Economy

Oct 20th, 2026

Owner of Australia's most powerful big battery lands $1.75 bn loan facility to underpin next wave of projects

Owner and operator of Australia's most powerful battery gears up for next phase of BESS development backed by a consortium of 11 banks and a new $A1.75 billion financing facility.

Market Forces

Oct 8th, 2026

Pattern of failure: rising ESG complaints expose the risk management gaps at Japanese megabanks.

Pattern of failure: rising ESG complaints expose the risk management gaps at Japanese megabanks. 8 October 2026 The sheer volume of complaints to various grievance mechanisms brought against Japan's megabanks, MUFG, SMBC, and Mizuho, can no longer be considered a set of isolated incidents. It represents a systemic failure. Over the past decade, civil society organizations, First Nations groups, and affected communities have repeatedly accessed grievance mechanisms to raise serious concerns about financing by the Megabanks. The acceleration of these complaints show the banks' underlying risk screening mechanisms are failing to catch (or are actively ignoring) operational, human rights, and environmental liabilities repeatedly creating reputational and legal risk for the megabanks and their shareholders. To safeguard vulnerable communities and long-term shareholder value, Japanese financial institutions must overhaul their internal governance by implementing an actionable risk escalation framework backed by mandatory board-director oversight. Description of each complaint: * Mozambique LNG, Mozambique - June 2026 - OECD complaint filed alleging severe human rights abuses, community displacement, militarization, and fueling regional conflict in Cabo Delgado alongside massive lifecycle greenhouse gas emissions. * Freeport LNG, USA - May 2026 - Complaints brought by Gulf Coast communities alleging harms resulting from major safety explosions and ongoing toxic emissions, including health impacts. * Papua LNG Equator Principles, Papua New Guinea - December 2025: Complaint on alleged violations of the Equator Principles, including biodiversity destruction in pristine ecosystems and inadequate consultation with local Papua New Guinea communities. * Funding to PLN, Indonesia - August 2025: Financing provided to Indonesia's state utility highlighted ongoing reliance on coal-fired power generation, alleging harm to human health, directly contradicting corporate net-zero pledges and transition finance commitments. * JSW and Jindal Steel, India - May 2025: Affected local communities launched complaints alleging forced land acquisition, pollution, loss of livelihoods, and human rights violations tied to steel plant operations and coal supply chains funded by megabanks. * Rio Grande, Texas LNG, and Rio Bravo Pipeline, USA - September 2024: Indigenous Carrizo/Comecrudo Tribe delegates and local community members traveled to Japan to challenge funding for LNG export terminals in Texas, alleging destruction of sacred lands and severe environmental justice concerns. * Barossa Gas project, Australia - November 2023: Allegations centered on the failure to secure Free, Prior, and Informed Consent (FPIC) from Tiwi Islands Traditional Owners, alongside imminent risks to marine biodiversity and the desecration of sacred sea country by offshore gas infrastructure. * Coal power in Vietnam - September 2018: Allegations centered on a lack of affected community consultation, air quality degradation, severe health impacts, and climate risk connected to financing coal-fired power plants (including Nghi Son 2 and Vung Ang 2) in Vietnam, breaching OECD Guidelines for Multinational Enterprises. Photos. Complaints regarding Rio Grande, Texas LNG, and Rio Bravo Pipeline, USA: photo credit: (C) Bekah Hinojosa / (SOTXEJN) (top center), (C) RAN / Masaya Nod (all others) Complaints regarding Freeport LNG, USA: photo credit: Max Schafer for Oil Change International Complaints regarding JSW and Jindal Steel, India: Villagers of Dhinkia observe a "Black Day" on 14 January 2025 to commemorate the 3-year anniversary of the Odisha police injuring hundreds of peaceful protestors opposing the JSW Utkal Steel project. photo credit: Mr. Susant Sekhar Swain and Gautam Das Why this pattern continues: * Due diligence appears to be a tickbox exercise: Environmental and social due diligence may be treated as an administrative milestone to pass prior to deal closing, rather than a continuous monitoring protocol. For example, when these issues are raised, the banks have routinely claimed that they comply with the laws of the countries they operate in. Nevertheless, regulatory compliance is not risk management, especially in countries with weak enforcement or conflict. * Risk governance is siloed from-decision making: Sustainability and ESG teams are often isolated from the frontline deal-origination teams, meaning commercial targets can override red flags of longer-term risk in favour of closing the deal. Moreover, boards of directors, which act as the ultimate arbiter of risk appetite, are not invited into the decision-making, leading to systematic approval of high-risk transactions. * Banks appear unwilling to engage in escalation: When affected communities raise early red flags (before ground-level impacts trigger formal public complaints), banks lack clear internal pathways and incentives to halt disbursements or require corrective action plans from borrowers. How do Market Forces change the pattern: * Board-Level Escalation Framework for high-risk projects: Establish a direct mandate requiring material environmental and social risks (such as OECD complaints or lack of FPIC) to be escalated directly to the Board Risk/Audit Committee. Independent directors must hold explicit power to freeze fund disbursements or reject transactions. * Binding Threshold Triggers & Contractual Covenants: Pre-define non-negotiable triggers that automatically halt project financing (e.g., formal OECD complaint acceptance, unresolved human rights allegations, or active litigation regarding Indigenous consent) embedded directly into financing contracts as conditions precedent and covenants, granting the bank the explicit right to temporarily freeze disbursements pending independent due diligence and requiring an approved corrective action plan before any further funding is released. * Disclose active risk management: Board must report on (omitting confidential information) incidents which were escalated to the Audit/Risk Committee for review and include actions that were taken to manage risk. Without structural escalation and genuine director oversight, Japanese megabanks will continue to face compounding reputational, legal, and financial liabilities across their global portfolios, risks that can be passed on to their investors and other stakeholders.

Executive Bulletin

Oct 7th, 2026

MUFG appoints Dylan Roy as Head of G10 Rates (ex-Japan).

MUFG appoints Dylan Roy as Head of G10 Rates (ex-Japan). October 7, 2026 New York, October 6, 2026 - MUFG today announced the appointment of Dylan Roy as Head of G10 Rates (ex-Japan). In his new role, Dylan will be responsible for leading MUFG's G10 Rates (ex-Japan) business, partnering closely with clients and colleagues across regions to further build the Global Rates franchise and support the bank's long-term growth ambitions. Dylan Roy joins MUFG with almost three decades of experience across global fixed income, rates, foreign exchange and credit markets in New York and London. Over the course of his career, he has built and led high-performing international trading businesses with extensive expertise in business strategy and risk management. Most recently, Dylan served as Global Co-Head of Fixed Income Trading at UBS Investment Bank, where he co-led teams in the Americas, Europe and Asia and was responsible for business strategy, risk management and resource allocation across the global fixed income franchise. Prior to that, he was Head of FX, Rates & Credit for the Americas and a member of the division's executive committee. Michael Yarian, Head of Global Markets Sales & Trading (ex-Japan): "We are exceptionally pleased to welcome Dylan to lead such a strategically important asset class for MUFG. Dylan's leadership skills, strategic perspective and client focus will be invaluable as we continue our growth journey with our Rates franchise and deliver long-term value to our clients. The appointment reflects MUFG's continued investment in its global markets platform and its focus on building market-leading capabilities for clients across regions and asset classes." Dylan Roy, Head of G10 Rates (ex-Japan): "I am excited to be joining MUFG at such an important time for the business. MUFG has a clear growth ambition and an increasingly important position within global markets. I look forward to working with colleagues across the organisation to build on that momentum, deepen client relationships and further enhance our G10 Rates offering worldwide." About MUFG Mitsubishi UFJ Financial Group, Inc. (MUFG) is one of the world's leading financial groups. Headquartered in Tokyo and with over 360 years of history, MUFG has a global network with approximately 2,300 locations in more than 50 countries. The Group has about 160,000 employees and offers services including commercial banking, trust banking, securities, credit cards, consumer finance, asset management, and leasing. The Group aims to "be the world's most trusted financial group" through close collaboration among its operating companies and flexibly respond to all of the financial needs of its customers, serving society, and fostering shared and sustainable growth for a better world. MUFG's shares trade on the Tokyo, Nagoya, and New York stock exchanges. For more information, visit https://www.mufg.jp/english.

ESG Today

Oct 6th, 2026

MUFG launches Green Deposit offering for EU businesses.

MUFG launches Green Deposit offering for EU businesses. MUFG Bank announced today the launch of its Green Deposits offering in the EU, aimed at enabling corporate clients to allocate funds to environmentally sustainable projects. Introduced in the U.S. in 2021, and in the UK in 2023, MUFG's Green Deposit solution allow clients to place term deposits with the bank, which are in turn used to effectively finance assets that align with MUFG's Green Deposit Framework. Developed with support from ESG ratings, data, and research provider Morningstar Sustainalytics, the framework covers a broad range of eligible sustainable activities, including renewable energy, energy efficiency, clean transportation, biodiversity, sustainable land-use and natural-resource management, sustainable water and wastewater management, green buildings, eco-efficient and circular-economy products, technologies and processes, and climate-change adaptation initiatives. Mamoru Shibata, Head of Transaction Banking EU/EEA at MUFG Bank (Europe) N.V., said: "Across the European market, sustainability continues to be an important priority for businesses, and we see strong value in extending this offering to the EU, providing clients with a solution that delivers both financial and non-financial value." Alongside the launch, MUFG also announced Subaru Europe as the first client to place funds through the new Green Deposits product. Keigo Ino, Vice President, Subaru Europe said: "We are pleased to be first to join an initiative that creates meaningful environmental benefits and contributes to a more sustainable future for our customers in Europe."

TimesTech

Oct 6th, 2026

SkyDrive launches eVTOL Feasibility study in Western Japan.

SkyDrive launches eVTOL Feasibility study in Western Japan. October 6, 2026 SkyDrive, a leading compact eVTOL (*1) aircraft manufacturer based in Japan, announced that it has launched a joint initiative with leading enterprises in the Kansai region - including MUFG Bank Ltd. ("MUFG Bank") and key industry leaders across transportation, aviation, infrastructure, energy, tourism and financial services - to evaluate and advance the commercial deployment and operational framework for eVTOL aircraft in Western Japan. Background and objectives. Driven by its mission "taking the lead in the once-in-a-century mobility revolution" and its vision of making daily air mobility a reality, SkyDrive continues to advance the development of compact eVTOL aircraft. During Expo 2025 Osaka, Kansai, SkyDrive successfully conducted demonstration flights of its SKYDRIVE (SD-05) eVTOL aircraft (*2). Following the Expo, advanced air mobility initiatives in Kansai are transitioning from technical validation to commercial integration. Practical steps to incorporate eVTOLs into daily urban transportation are accelerating rapidly across Osaka and the broader Kansai region, bringing commercial operations closer to reality. For example, under a Cabinet Office Super City research project, SkyDrive is collaborating with Osaka Metro and other partners to study converting existing rooftop emergency helipads ("H" marks) on urban buildings into vertiports (*3). In response to this momentum, leading corporations across aviation, infrastructure, energy, tourism, finance and insurance - led by MUFG Bank - recognized that establishing a sustainable business model requires cross-industry collaboration beyond passenger services to build next-generation transport infrastructure. This shared vision led to the creation of the "Kansai Air Transportation Network Concept," a collaborative framework designed to support the development of new industry and air mobility infrastructure originating in Kansai. In parallel with urban infrastructure planning in Osaka, SkyDrive will leverage the strong backing of MUFG Bank and partner companies to accelerate the execution of this network concept and drive the mobility revolution across the Kansai region. Core focus areas. Under this joint initiative, participating companies will combine their industry expertise and operational foundations to address the following key areas: * Flight Network and Routes: Developing medium- and long-term flight networks and operational routes across the Kansai region * Infrastructure Development: Planning vertiports, maintenance facilities and supporting ground infrastructure * Operations and Safety Management: Establishing operational, maintenance and safety management frameworks * Demand Generation and Service Integration: Creating demand and developing mobility services integrated with regional transportation and tourism * Commercial Feasibility and Business Models: Evaluating commercial viability and building sustainable business models * Public and Community Engagement: Collaborating and maintaining ongoing dialogue with national government agencies, local municipalities and regional communities

Mitsubishi UFG

Vice President - Underwriting & Portfolio Management, Power & Utilities

About the job