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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 sector, including setting risk appetite, underwriting criteria, and limits aligned with business objectives.
Work as part of a team to negotiate recommendations for new transaction approvals related to real estate-backed loans, warehouses, and traded products.
Lead due diligence efforts and conduct comprehensive credit analysis to assess counterparty creditworthiness, making informed recommendations on structure, risk appetite, and grading.
What you bring:
To excel as a Credit Risk Manager – Real Estate Finance at MUFG, you will bring proven experience managing structured real estate financing transactions within leading financial institutions. Your background should include hands-on involvement in assessing complex deals—ideally under delegated authority—and applying advanced analytical techniques such as scenario-based modelling. A solid academic grounding in finance-related disciplines will support your technical proficiency while your outstanding communication skills enable you to articulate nuanced recommendations clearly at all levels. You thrive when collaborating with colleagues from diverse backgrounds; your empathetic approach helps build consensus even when navigating competing interests between different business units. With meticulous attention to detail paired with resilience under pressure, you consistently deliver results that align with both regulatory requirements and organisational objectives. Your commitment to continuous learning ensures you remain abreast of industry trends so that you can contribute fresh perspectives towards evolving credit strategies.
Demonstrated experience working under delegated authority for approving complex transactions is highly desirable.
A graduate or postgraduate degree focused on finance, economics or accounting provides a strong foundation for success in this position.
Exceptional written and verbal communication skills are required to effectively present analyses and recommendations to senior stakeholders.
Advanced analytical abilities combined with sophisticated problem-solving skills enable you to implement stable solutions in fast-moving environments.
A proactive approach coupled with excellent organisational skills allows you to prioritise tasks efficiently under tight deadlines without compromising accuracy or attention to detail.
Strong interpersonal skills foster effective collaboration across teams while maintaining professionalism during high-pressure situations.
Proficiency in Microsoft Office applications supports your ability to manage large workloads efficiently while producing high-quality reports and presentations.
A calm demeanour ensures consistent performance even when faced with challenging scenarios or conflicting priorities within dual-hatted responsibilities.
What sets MUFG apart:
MUFG stands out as one of the world’s largest financial groups thanks not only to its scale but also its unwavering commitment to integrity, inclusion, and sustainable growth. With more than 360 years of heritage behind it—and operations spanning 50 markets—MUFG offers unparalleled stability alongside opportunities for personal development within a truly global network. The organisation places people at the centre of everything it does: investing heavily in talent development programmes; encouraging open dialogue; embracing flexible working arrangements; and championing diversity at every level. Employees benefit from being part of an environment where their ideas are welcomed regardless of background or tenure—where collaboration leads directly to innovation that benefits clients worldwide. At MUFG you’ll find not just a job but a community dedicated to building lasting relationships based on trust—both internally among colleagues and externally with clients who rely on MUFG’s expertise every day. By joining this team you become part of an organisation that genuinely cares about making a positive impact—for individuals’ careers as well as society at large.
What's next:
If you are ready to take your career in real estate finance credit risk management to new heights within one of the world’s most respected financial institutions, we encourage you to apply now!
Apply today by clicking on the link provided—your next exciting opportunity awaits at MUFG.
We are open to considering flexible working requests in line with organisational requirements.
MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.
We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.