Credit Analyst

MUFG Americas; Paris; Sur place; EUR 40 000 - 60 000; Plein temps

Résumé du poste

A global financial services group in Paris is seeking a professional for credit risk analysis and management. The role requires in-depth financial analysis and collaboration with Relationship Managers to ensure effective credit decision-making. Candidates should possess a Bachelor’s or Master’s degree in relevant fields and at least 2 years of experience. The ideal candidate will have excellent communication skills and be fluent in both French and English.

Qualifications

• At least 2 years of experience in a similar job.
• Fluent in French and English.

Responsabilités

• Complete in-depth financial analysis and credit related documentation.
• Prepare internal/external reports on credit related business.
• Collaborate with Relationship Managers to structure credit facilities.

Connaissances

Excellent communication skills

Results-driven

Strong numerical skills

Proactive and motivated approach

Formation

Bachelor’s or Master’s degree in Finance, Economics, Accounting, or a related field

Outils

Microsoft Office

Description du poste

Overview of the Department/Section

The function forms part of Japanese Corporate Banking Department (JCBD) and is responsible for objective analysis and risk assessment in the division in respect of credit and market risk transactions in accordance with the bank’s policies, rules and guidelines and as such facilitating a balanced credit decision process.

Main Purpose of the Role

Responsible for the execution of objective analysis in respect of credit granting and credit control and to support Department Heads (DH) Relationship Managers (RM) and with the credit risk management queries while ensuring and providing (internal) customer service in line with agreed procedures and service standards.

Key Responsibilities

• To complete in-depth financial analysis (Japanese company profiles), credit and borrower rating applications and other credit related applications and documentation as allocated by DH.
• To maintain awareness of developing market sector and business trends in EU/Europe and on a global basis.
• To prepare necessary internal and/or external reports on the credit related business and to communicate about it with relevant credit departments or divisions
• Participate in client meetings to gain a deeper understanding of business models and financial strategies.
• The review and determine a customer credit ratings on a regular basis to aid overall portfolio analysis.
• Timely preparation of credit applications prior to credit limit renewal dates (one month prior in principle). This is to facilitate a smooth credit decision making process and avoid unnecessary delays.
• Collaborate with Relationship Managers to structure credit facilities that meet client needs while mitigating risk.
• To seek to continuously improve operation practices/processes, with particular attention to the quality of credit risk analysis.
• To execute any other task or instructions given by DH and/or RMs in respect of any tasks or work in the interest of the smooth handling of the credit business in the bank.
• To ensure compliance with the Bank’s rules, policies, procedures and guidelines together with all relevant regulatory and statutory requirements.
• Conducting administrative operations in the field of credit transaction (communication with relative offices, monitor data reflection in the systems)
• Monitoring credit portfolio development
• A significant experience (at least 2 years) in a similar job.

Education/Qualifications

• Bachelor’s or Master’s degree in Finance, Economics, Accounting, or a related field
• An excellent communication and interpersonal skills in French and English.

Personal requirements

Personal alignment to MUFG values

• Integrity & Responsibility
• Professionalism & Teamwork
• Challenge ourselves to grow

Personal alignment to EMEA cultural principles

• Client Centric
• People Focused
• Listen Up, Speak Up
• Innovate & Simplify
• Own & Execute

General requirements

• Excellent communication skills
• Results and deadline driven, with a strong sense of accountability
• A proactive, motivated approach.
• A structured and logical approach to work
• Excellent attention to detail and accuracy
• A calm approach, with the ability to perform well with tight deadlines
• Strong numerical skills
• Excellent Microsoft Office 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.