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Discover your opportunity with Mitsubishi UFJ Financial Group
(MUFG), the 7th largest financial group in the world. Across the
globe, we’re 160,000 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
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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.
Overview of the Department/Section
- The
Credit Analysis team is the Bank’s first line of defence sitting
alongside CIB bankers to promote an optimal risk / return on the
banks’ lending opportunities.
- The 50+ team is organised
into 5 sector corporate teams. Each credit analyst is responsible for
managing risk exposure across an EMEA wide portfolio.
- Analysts work with Front Office teams on live transactions &
risk monitoring to identify and mitigate risks associated with the
structure, documentation, counterparty, industry and macroeconomics.
Main Purpose of the Role
- We are
looking for a senior credit analyst to cover a varied portfolio of
largely non IG/ private company/ complex IG corporate credits across
the EMEA TMT and Utilities space.
- The credit analyst will
perform forward looking fundamental credit calls on live transactions,
limit renewals and annual reviews.
- Along with client
meetings the analyst completes a credit opinion including cash flow
forecast, recommending approval, a neutral stance, or non-approval of
the proposed transaction.
- Updating financial analysis for
quarterly and year end results. Actively monitoring assigned portfolio
of IG and NIG corporates for potential changes in credit risk. Assign
or update internal ratings.
- Coach junior team members and
assist team manager to review junior team members work papers.
- Assist team manager in the management of the team workflow
and other day to day operations/ projects/ initiatives.
Key Responsibilities
- Lead complex client
credit due diligence following key risk events or for on-boarding of
new clients.
- Quickly assess key credit issues, raise
salient points to the correct stakeholders and to assess the risk-
reward trade off.
- 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.
Work towards becoming an expert in a sector and/or geography.
- Ensure accurate and timely compliance with internal rules and
reporting procedures.
- Undertake specific country and
industrial sector research as well as leading other team or
departmental project work as appropriate.
- As directed support
the development of junior staff members through coaching and review of
their work papers.
Work Experience
- Extensive experience in fundamental credit analysis
preferably gained in a large corporate or investment bank.
- There should be an emphasis on credit analysis in the context
of a transaction or event.
Skills and Experience
Functional / Technical Competencies:
- Experience of covering Investment Grade, Non Investment
Grade and private company credits would be seen favourably.
- Preference for prior experience in the TMT and/or Utilities
sector across EMEA, albeit not mandatory.
- Experience in
structured lending transactions (e.g. WBS/ Secured holdco financings
etc) in the context of the Utilities sector would be advantageous.
- Ability to take a forward looking view using cash flow
modelling and stressing testing.
- Existing experience in
coaching, mentoring and reviewing junior credit analysts work.
- Strong understanding of complex loan/bond documentation and
key credit protections. Good understanding of market risk and ISDA’s.
- Languages desirable and ability to work across regions with
locally based coverage teams
Education /
Qualifications:
- Degree level educated or equivalent
- Other financial professional qualifications (e.g. CFA, ACCA,
ACA etc) will be seen as highly beneficial.
Personal
Requirements
- A proactive, motivated approach.
- The ability to operate with urgency and prioritise work
accordingly
- Strong decision making skills, the ability to
demonstrate sound judgement
- A structured and logical approach
to work
- Strong problem solving skills
- The ability to
manage large workloads and tight deadlines
- Excellent
attention to detail and accuracy
- Strong numerical skills
We are open to
considering flexible working requests in line with organisational
requirements.
MUFG is committed to embracing
diversity and building an inclusive culture where all employees are
valued, respected and their opinions count. We support the principles
of equality, diversity and inclusion in recruitment and employment,
and oppose all forms of discrimination on the grounds of age, sex,
gender, sexual orientation, disability, pregnancy and maternity, race,
gender reassignment, religion or belief and marriage or civil
partnership.
We make our recruitment decisions in a
non-discriminatory manner in accordance with our commitment to
identifying the right skills for the right role and our obligations
under the law.