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.
About the Role
Position Title: Credit Analyst - US Corporates
Corporate Title: Analyst
Internal Title: Senior Analyst
Location: Mumbai- Nirlon Knowledge Park
Reporting To: Vice President
Job Profile:
Overall Purpose of Job:
Support Credit Administration for the Wholesale Bank (CDA). Manage/support credit coverage with moderate oversight from the Senior Credit Officers for corporate banking clients based in North America.
Job Responsibilities:
Active Credit Risk Management of Designated Customers under the Guidance of Senior Credit Risk Managers

• Manage a designated portfolio of US Corporate credit customers.
• Perform due diligence and scheduled reviews regularly.
• Analyze credit risk of the designated portfolio, determine accurate ratings, and make recommendations of accurate and timely ratings to management with support from senior credit risk manager.
• Prepare detailed credit analysis and credit applications in accordance with Americas Credit Policy, Americas Credit-Related Procedures, Credit Rules, evaluating the borrower's industry / business / legal / financial risks and recommending extensions of credit to management.
• Basic cash flow modeling skills and understanding of assigned industries / industry sub-sectors are required and maintain most updated knowledge on the industries through internal / external sources and direct communication with the customers.
• Able to understand and assess risk of standard bank products such as loans, stand-by LC, trade finance, forex, derivatives, and securitization.
• Maintain direct communication with assigned customers.
• Oversight of covenants compliance, facility due date, condition / instruction / report required.
• Responsible for coordinating and communicating account information to internal auditors and external regulators (e.g., FRB, FSA, BOJ, SNIC, OCC).
• Ongoing training to enhance the all-around skill sets of a credit risk manager.
• Perform other related functions as assigned.

Deal Support

• Work with business lines / product groups to identify prospective transactions.
• Identify structural risks and mitigants in prospective transactions and recommend / enhance structuring of deals and covenant in line with policies and procedures.
• Advise credit risk managers on credit risk issues, terms & conditions, to create the best possible deal with a goal of improving profit and minimizing credit cost with support from senior credit risk manager.
• Communicate with credit divisions regarding rating rationale, facility structuring / exposures, and ensure credit divisions are furnished with all credit related information / analysis pertinent to decision making.

Policy Compliance

• Ensure compliance with external regulatory requirements (JFSA, BOJ, FRB, OCC).
• Ensure compliance with internal policy and procedures by understanding and adhering to Americas Credit Policy, Americas Credit-Related Procedures, Credit Rules, Procedures for Credit Ratings, Manual, and any other applicable pronouncements.

Job Requirements/ Qualification:

• Minimum of 2 years of working experience in financial institutions or equivalent, in accounting / financial analysis areas.
• Should have experience in credit analysis of corporates, preferably of North America.
• Strong financial modeling and analytical skills a must.
• Excellent communication skills (both oral and written).
• Master's degree required (major in accounting / finance / business preferred).
• MBA or CFA is a plus.
• Completion of formal credit training is a plus

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