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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.