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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 professionalqualifications (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.
