I’m afraid I cant help you on these very job specific questions, as mentioned earlier I am not from the credit department though sometimes I do work with the people there.

Generally I would say don’t need to worry that much. A place like MUFG (or Jap banks in general) is a very regimental follow precise instructions place. Every step is detailed to you and you just have to follow, got good & bad. Good is honestly almost no learning curve just follow instructions even a newbie cant go wrong after 3 mths, bad is you become like administrator and learn very little.

Over here I would say generally you need to be at FVP level to make managerial / business decisions that really have some impact. I think you are joining as manager? so no worries, likely the job even a fresh grad can do. For me I am now at a grade similar to senior manager and honestly not much brain work involve, follow instructions and go through motion can already.