Associate, Middle Office

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.

About the role:

An exciting opportunity has arisen for an Associate, Middle Office professional to join a MUFG in Sydney or Melbourne. This pivotal role is designed for someone who thrives in a collaborative environment and is passionate about supporting the growth and efficiency of credit middle office functions. As the business continues to expand in both transaction volume and complexity, your expertise will be instrumental in shaping robust processes, enhancing risk controls, and driving continuous improvement initiatives.

• Play a key role in leading credit middle office operations for a growing Oceania branch, supporting process improvements and risk management initiatives that are critical to business success.
• Collaborate closely with cross-functional teams including Credit Management, Relationship Managers, Product Partners, Operations, Compliance, and Risk to deliver efficiencies and foster strong working relationships.
• Benefit from a supportive culture that values people-focused principles, encourages open communication, and provides opportunities for ongoing learning and career progression.

What you’ll be doing:

As an Associate, you will immerse yourself in a diverse range of activities that underpin the smooth functioning of credit operations. Your day to day will involve -

• Lead the delivery of credit-related middle office functions by managing resources supporting the credit stream and acting as the main point of contact for credit-related escalations, credit data management and reporting, and credit process control and review.
• Confidently oversee Oceania’s risk reporting obligations by coordinating with regional partners and ensuring accurate incident reporting and compliance with head office requirements.
• Support the creation, implementation, and ongoing management of new Post Close Control Check initiatives aimed at improving incident management and remediation as part of broader risk control strategies.
• Drive the migration of reporting tasks to regional hubs while identifying opportunities for automation, cost savings, and enhanced operational efficiency within the middle office.
• Work collaboratively with senior leaders on credit-related projects involving capital allocation, regulatory reporting, covenants management, or process changes—formulating solutions and leading their implementation.
• Act as the primary liaison with offshore support teams (MGS), ensuring effective communication and delivery of credit processes across regions.
• Contribute to designing roles and responsibilities frameworks for client services processes within the Oceania branch by challenging existing structures and supporting process improvements across departments.
• Document middle office procedures into comprehensive manuals for front office use while assisting in developing presentations, business communications, and process maps for new or enhanced tasks.
• Provide training and guidance to new team members joining the credit stream or MGS teams while fostering a positive team environment focused on shared goals.
• Maintain strong relationships with internal stakeholders such as Operations, Compliance, Planning, Finance, Legal, as well as external customers when required.

What we are looking for:

To excel in this role you will bring a wealth of practical experience gained from working within banking environments or similar financial institutions.

• Demonstrated experience (3-5 years) working within a bank’s middle office function or related areas such as credit & portfolio management, relationship banking, lending operations; candidates from chartered accounting firms or advisory houses are also encouraged to apply.
• A degree in Business, Commerce or Law from a leading university is essential; postgraduate qualifications such as Masters of Finance, MBA or CFA are highly regarded.
• Proficiency in Microsoft Office applications with advanced Excel skills; strong written and verbal communication abilities are crucial for effective stakeholder engagement.
• Solid understanding of banking products/services coupled with sound mathematical knowledge; proven ability to conduct independent research & analysis on customers/markets using critical thinking skills.
• Expertise in financial analysis including modelling and legal documentation relevant to debt structuring; intermediate skills in credit writing are expected.
• Exceptional interpersonal skills with a collaborative mindset; able to build rapport across diverse teams while presenting information clearly during meetings or training sessions.
• Analytical mindset with keen attention to detail; adept at prioritising multiple tasks simultaneously under tight deadlines without compromising quality.
• Experience supporting change management initiatives or project implementations within financial services environments is advantageous.
• Ability to work independently yet remain responsive and supportive within team settings; demonstrates initiative alongside enthusiasm for continuous learning.

Our culture:

MUFG fosters a highly professional, supportive work environment that enables our employees to help maximize our customers' prosperity. We focus on building long-term customer relationships and giving back to our communities in order to develop shared and sustainable growth.

Mitsubishi UFJ Financial Group (MUFG) is an equal opportunity employer. We view our employees as our key assets as they are fundamental to our long-term growth and success. MUFG is committed to hiring based on merit and organsational fit, regardless of race, religion or gender.