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

Position Title: Corporate Credit Analyst        

Corporate Title: Assistant Vice President

Internal Title: Manager/ AVP

Reporting to:  Vice President

Location: Mumbai- NKP-Goregaon   

Job Profile

Purpose of Role

• The Credit Analysis Team is setup in MGS for centralizing the credit analysis function for its corporate clients globally. We are looking for an ambitious credit analyst to cover a varied portfolio for corporate based in Asia region.
• The Credit Analysis team is the Bank’s first line of defence and works closely with GCIB bankers, Product partners and Credit approvers to promote an optimal risk / return on the banks’ lending opportunities.
• The credit analyst will perform forward looking credit analysis on the borrowers, annual reviews and limit renewals, support on ad-hoc requests and periodic reviews when necessary.

Main Responsibilities

• Manage a portfolio of Corporate clients and undertake objective detailed due diligence of borrowers / industry. 
• Managing end to end annual renewal of limits and borrower ratings as per the Banks credit processes and procedures collaborating with other stakeholders (Relationship Managers, Product teams and Credit Officers / Approvers).
• Ensure accurate and timely compliance with internal policies and reporting procedures.
• Support onshore teams for the preparation of internal applications such as borrower rating reviews, credit application for renewals and transactions/deals. These involve preparation of spreadsheet, financial & liquidity analysis and cashflow projection etc. and conducting credit review and analysis on credit transactions and rating applications.
• Conduct market research/ industry benchmarking/ peer analysis for the portfolio clients.
• Handling of waiver and amendment requests
• Audit management – Support in Internal, External audits.
• Ability to multi-task and manage ever-changing and often conflicting priorities; Ability to work with a high level of motivation and initiative; Work diligently to develop technical skills and industry knowledge related to the role.
• To perform covenant checking to ensure the financial and non-financial covenants of facility agreements are duly complied with.
• Preparation of periodic sector reports and event-based stress tests of the portfolio as necessary.

Candidate Profile

• Extensive experience in fundamental corporate analysis gained in either a bank, asset manager or rating agency environment.

Functional / Technical Competencies:

• Strong domain knowledge including financial statement analysis, credit analysis, industry analysis of      corporates. Experience of covering India market preferred.
• A good understanding of loan documentation, key credit protections, knowledge about different lending   products will be preferred
• Understanding of market risk and ISDA documents would be preferred/ beneficial.
• There should be an emphasis on credit analysis in the context of a transaction or event, or a strong motivation to move into a more transaction driven environment.

PERSONAL REQUIREMENTS

• A proactive, motivated approach, with ability to operate with urgency and prioritize work accordingly
• A structured and logical approach to work, which exhibits strong problem-solving skills
• The ability to manage workloads and tight deadlines
• Excellent attention to detail and accuracy, strong in numerical skills
• Must possess excellent communication and report writing skills.
• Relevant experience in Team management
• Language Skills: Proficient in English.
• Experience: 5-10 years in corporate credit analysis, after post-graduation

Qualification

• Post Graduate Degree in Finance and/ or Financial professional qualifications (e.g. CA, CFA, FRM)

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.