Manager- Credit Analyst- India Corporates

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.