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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.
Purpose of the role
Responsible for assessing, monitoring and communicating credit risk profile of Seoul Branch's GC clients to support business expansion, to make proper review & challenge as well as to support final decision making, based on internal and regulatory policies/requirements.
Also involved in credit related projects (audit, improvement/ enhancement of credit management, team task)
Job Responsibilities:
Prepare writeups for credit applications (both new deals and existing deals) and Borrower Rating applications in a timely manner with high quality and accuracy.
Collect information from various sources, including customer financial statements, company accounts, borrower ratings, and sector data, to support deal assessments.
Collaborate with Relationship Managers to gather information from customers, including financial statements and company accounts.
Assess customer and industry risk, as well as asset evaluation and cash flow, to ensure feasibility of projection through detailed modelling and conduct regular monitoring
Conduct necessary review and challenge within the branch when necessary.
Communicate quickly and precisely with the Credit division to obtain timely credit approvals.
Partner with the Risk Control department to maintain stable risk management for customers.
Develop and maintain good interpersonal relationships globally to enhance an effective working environment.
Work with Asian HQ departments for companies with deteriorated financial results and for product driven approach
Strengthen the credit management framework to maintain a sound credit portfolio.
Contribute to a healthy balance sheet for the branches in the region by assessing the creditworthiness of applications.
Modify and enhance the credit department's organization structure and functions to adapt to economic changes.
Provide training and study sessions for colleagues on overall credit policy, financial analysis, and credit risk-related projects.
Support in managing the risk profile for the department.
Ensure compliance with relevant regulations and limits.
Maintain good working knowledge of industry trends, products, and regulations.
Adhere to all company policies and guidelines.
Handle internal and external audit-related tasks.
Job Requirements:
At least 3 years of experience in credit analysis within financial institutions
Basic understanding on financial analysis, accounting knowledge and (credit) deal analysis of corporate banking with logical thinking capability
Business sense (keeping deadline, logical thinking, resilience, negotiation/presentation and collaboration/cooperation)
Interest in research, assessing/forecasting impact/outcome, and making deliverables/actions
Communication skill in English (both Listening/Speaking and Reading/Writing).
Competent in analysis in company, financial results and banking deal
Familiarity with corporate banking business
We regret to inform that only shortlisted applicants will be notified.
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.