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Senior Analyst / Manager role at MUFG Mumbai – oversee credit analysis for Oceania corporates.
Lead risk grading, portfolio reporting and regulatory compliance across Australia & New Zealand.
Opportunity Overview
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
About the Role
Position Title: Credit Analyst
Corporate Title: Analyst / Assistant Vice President
Internal Title- Senior Analyst/ Manager
Location: Mumbai- Nirlon Knowledge Park-Goregaon
Job Profile
Key Responsibilities
Key Responsibilities:
The key areas of responsibilities are as follows:
Support the risk grading and comprehensive review process for a portfolio of corporate clients across Australia and New Zealand in line with the Bank’s credit policies and procedures. All work will be hand-in-hand with in-country experts as MUFG embodies a ‘one team’ approach’ to our critical businesses.
Perform forward looking credit analysis on the borrowers, annual reviews and limit renewals, support on ad-hoc requests and periodic reviews when necessary
Support onshore teams for the preparation of internal applications such as borrower rating reviews and credit application renewals. These involve preparation of spreadsheet, liquidity analysis and cashflow projection etc. and conducting credit review and analysis on credit transactions and rating applications.
Contribute to the input and maintenance of portfolio datasets, to support portfolio risk management with potential for broader regional involvement over time.
Conduct market research/ industry benchmarking/ peer analysis for the portfolio clients.
Preparation of periodic sector reports and event-based stress tests of the portfolio as necessary.
To perform covenant checking to ensure the financial and non-financial covenants of facility agreements are duly complied with.
Support audit and regulatory processes, including preparation of documentation for internal and external reviews (e.g. Credit Examination, JFSA / MAS / BoJ / RBI / Statutory audits).
Maintain credit files and documentation in accordance with the Bank’s standards, ensuring completeness and accuracy of records.
Provide timely support on ad-hoc requests from the in-country credit management teams and assist as needed, in alignment with business priorities and capacity.
Key Skills / Experience
Strong understanding of financial statements, with advanced proficiency in Microsoft Excel and the ability to build and modify financial models
Solid grasp of macroeconomic environment & its impact on the borrowers / portfolio.
Familiarity with financial data platforms such as Bloomberg / CapIQ, or similar systems.
Excellent communication skills, including clear and concise report writing.
High attention to detail, collaborative attitude and diligent work ethic.
Prior experience supporting or managing a corporate portfolio in a similar environment is highly desirable; exposure to APAC markets is a strong advantage.
Proactive mind set with strong problem-solving capabilities and sensitive to deadlines.
Self-starter with initiative, drive, and enthusiasm.
Analytical thinker with the ability to work independently and manage multiple priorities across diverse workstreams and stakeholders.
Experience of working with a financial institution
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.
Qualification
MBA / equivalent from a premier institute
CA/ CFA
Years of Experience
Senior Analyst from 2 to 5yrs, Manager 5+ yrs of relevant work experience.
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 organsional fit, regardless of race, religion or gender.