Job Description

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.

Responsible for portfolio management, conducting due diligence, periodic monitoring, and preparation and review of credit applications (annual renewals and new proposals) and borrower ratings for Global Corporate and FI clients across all India branches. Responsible for managing the credit approval process thereby supporting front office in meeting client expectations and monitoring portfolio quality through the cycles. Engage with a diversified set of stakeholders in Credit, Audit, Business, Legal, Operations and support in portfolio related matters. Support management in conducting thematic reviews, audits and periodic portfolio analysis. Role is focused on credit underwriting/analysis and portfolio management and does not involve credit approvals or delegated authority.
Strategic
I. Credit Process & Quality of Deliverables

• Seamless execution of the credit process without major iterations and quality issues.
• Deliver high quality credit proposals which are objective, accurate, present a balanced view and meet all compliance requirements.

II. Portfolio Management

• Timely submissions of annual renewals and borrower ratings.
• Effective due date control, timely submission of interim performance reviews, regulatory submissions and covenant monitoring.
• Excess and Limit utilization monitoring.
• Maintain credit files and support in internal and external audit. Compliance with regulations and no adverse observations in credit examinations or other audit reports.
• Conduct regular client meetings.
• Assist management in conducting periodic portfolio reviews.
• Support in credit audits - internal and external.

III. Watchlist and Emerging Risks

• Maintain close watch on asset quality of assigned portfolio, including pre-emptive review of weaknesses and ensure no sudden surprises or sudden deterioration of borrower rating.
• Lead/Drive portfolio/sector risk processes for assigned sector(s), including Watchlist contributions, timely Sector Review(s) and insightful analysis into emerging risks for the sector and client generally.
• Proactively track early warning indicators and take appropriate escalations and actions.

Financial

• Support Global Corporate and Investment Banking in meetings its revenue and profitability targets through support on new transactions, collaboration on cross border transactions, constructive review of profitability, portfolio monitoring and ensuring adherence to risk appetite.
• Proactive EWS and interim monitoring to ensure asset quality of the portfolio and avoid surprises.

Customer

• End to end deal management including collaboration with other stakeholders. Ensure timely submission of proposals and query resolution in order to meet customer expectations.

People

• This is an Individual Contributor (IC) role and does not involve people management. Must possess ability to collaborate with diverse set of stakeholders across geographies.

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.

Skills Required