Associate, Credit Analysis (Commodity Finance)

Mitsubishi UFJ Financial Group; London; On-site; GBP 40,000 - 80,000; Full time

Job summary

Join a leading financial group as an Associate in Credit Analysis, focusing on Commodity Finance. This role offers a unique opportunity to support commodity traders by providing credit recommendations and managing a portfolio of clients. You will engage in high-level analysis, contribute to business development, and enhance credit processes. With a strong emphasis on teamwork and communication, this position is ideal for those who thrive in a dynamic environment and are passionate about making impactful decisions. Embrace a culture of diversity and inclusion while advancing your career in a prestigious financial institution.

Qualifications

• Minimum 3 years of corporate credit analysis experience in a banking environment.
• Strong analytical and numerical skills based on relevant credit systems.

Responsibilities

• Provide credit recommendations and monitor risks for commodity finance clients.
• Manage credit accounts and perform due diligence for transactions.

Skills

Credit Analysis

Analytical Skills

Communication Skills

Microsoft Office Suite

Interpersonal Skills

Numeracy Skills

Problem Solving

Tools

Excel

PowerPoint

Job description

Associate, Credit Analysis (Commodity Finance)

Join to apply for the Associate, Credit Analysis (Commodity Finance) role at MUFG.

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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 120,000 colleagues, striving to make a difference for every client, organization, and community we serve.

Overview Of The Department/Section

The Commodity Finance (“CF”) Team primarily provides working capital solutions to commodity traders and commodity corporates based in EMEA (Producers, processors, marketers, distributors, etc) to meet their financing needs in all phases of commodity trading activities.

MAIN PURPOSE OF THE ROLE

Provide credit recommendations and monitor risks by understanding client needs, and delivering the best ideas, solutions to support the origination of commodity finance related business (i.e. Bilateral Trade Finance Lines, ARPS, Export LC business, Borrowing Bases etc.) and ancillary business within MUFG under the supervision of the Credit and Structuring Lead - Energy.

Key Responsibilities

Specifically, you will be accountable and responsible for taking appropriate action with respect to your allocated portfolio of customers of the Energy desk, Commodity Finance, within Commodity & Structured Trade Finance, including:

• Provide administrative and technical support to the Team Head, Energy, to enable the effective development and management of customer relationships.
• Manage a portfolio of credit accounts, which require supporting Relationship Managers; performing credit-related due diligence; identify, quantify risk drivers and propose mitigants in structured and vanilla transactions; transaction execution; monitor deadlines; and, review and execute facility documentation.
• Provide credit support to colleagues by preparing information and analysis as directed by senior team members.
• Contribute to high level analysis of client strategy using this in conjunction with market analysis to develop client recommendations and rationales for DSC and credit approval.
• Contribute to business development activities including meeting new clients.
• Prepare and support financial analysis and credit applications as directed by senior team members.
• Contribute to the enhancement of the credit process, contribute to strategic initiatives, and provide support to the overall portfolio management.
• Conduct straightforward data analysis and data manipulation to enable interpretation of figures, patterns and trends.
• Run financial scenarios following precedent models to identify simple patterns and trends, to provide senior managers with information to support decision making.
• Conduct research from a range of generalized and specialist sources, extracting relevant information and summarizing data to inform decision making at more senior levels.
• Review Facility and Security documentation accepting accountability for straightforward commercial aspects and referring to senior team members for more complex issues.
• Contribute to the development, adaptation and application of policy, procedures and analysis to ensure a relevant, compliant and rigorous approach to the management of any risk which can negatively affect the portfolio.
• Liaise with internal counterparts throughout MUFG and with external counterparts at clients to gather relevant information to support decision making and planning.

Risk Management

As Credit Analyst – Associate, you will be responsible for monitoring, and taking action further to your delegated authority in respect of, the risk being run across your client portfolio within the Energy desk, Commodity Finance, within Commodity & Structured Trade Finance.

Work Experience

Essential:

• Good corporate credit analysis and research skills (including stress test and modelling) ideally gained in a banking environment (minimum 3 years).

Preferred:

• Experience in a Credit Sanctioning Department;
• A background in natural resources finance.

Skills And Experience

Essential:

• Specialist knowledge and extensive experience in credit analysis
• Strong analytical and numeracy skills based on relevant credit systems and models
• Strong presentation and communication skills – both oral and written;
• Computer literacy, including core Microsoft Office suite (Excel, PowerPoint)
• Interpersonal skills and networking skills

Preferred:

• Specialized in energy commodities or metals or agri commodities

Personal Requirements

• Excellent communication skills
• Results driven, with a strong sense of accountability
• A proactive, motivated approach.
• The ability to operate with urgency and prioritise work accordingly
• Strong decision making skills, the ability to demonstrate sound judgement
• A structured and logical approach to work
• Strong problem solving skills
• A creative and innovative approach to work
• The ability to manage large workloads and tight deadlines
• Excellent attention to detail and accuracy
• A calm approach, with the ability to perform well in a pressurised environment
• 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.

Seniority level: Mid-Senior level

Employment type: Full-time

Job function: Research, Analyst, and Information Technology

Industries: Financial Services and Banking