Manager - Corporate Credit Analyst [T500-20103]

About Us :

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 over 2,100 locations in more than 50 markets. The Group has over 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 our operating companies and flexibly respond to all of the financial needs of our 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.

MUFG Global Service Private Limited :

Established in 2020, MUFG Global Service India Limited (MGS India) is 100% subsidiary of MUFG Bank Ltd having offices in Bengaluru and Mumbai. MGS India has been set up as a Global Capability Centre / Centre of Excellence to provide support services across various functions such as IT, KYC / AML, Credit, Operations etc. to MUFG Bank offices globally. MGS India has plans to significantly ramp-up its growth over the next 18-24 months while servicing MUFG’s global network across Americas, EMEA and Asia Pacific

About the Role :

Position Title : Corporate Credit Analyst

Corporate Title : Manager

Location : Mumbai

Job Profile : Purpose of Role :

MGS India, through its Credit Analysis Team, manages the credit analysis function for its corporate clients globally. We are looking for an ambitious credit analyst to cover a varied portfolio across the EMEA region.

The Credit Analysis team is the Bank’s first line of defense 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 fundamental 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 EMEA 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).

Covenant checks and periodic monitoring reports.

Preparation of periodic sector reports and event-based stress tests of the portfolio as necessary.

Support Relationship Managers / Senior Credit Analysts in the department on ad-hoc requests related to new transactions or other portfolio reviews.

Audit management – Internal, External including regulatory inspections

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.

Ensure accurate and timely compliance with internal policies and reporting procedures.

Candidate Profile :

Extensive experience in fundamental corporate analysis gained in either a bank (or their a Global Capability Centre), asset manager or rating agency environment.

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.

Minimum experience of 7-8 years after Post Graduation (CA / CFA / MBA Finance or their equivalents)

Functional / Technical Competencies :

Experience of covering EMEA Large Corporates.

A good understanding of loan documentation and key credit protections.

Understanding of market risk and ISDA documents would be preferred / beneficial.

Familiarity with Bloomberg / CapIQ and similar systems.