Analyst- Credit Corporates- Americas

MUFG Bank, Ltd; Mumbai; On-site; INR 600,000 - 800,000; Full time

Job summary

MUFG Bank, Ltd. is seeking an Analyst for Credit Corporates in Mumbai. The role involves managing a portfolio of Japanese corporate credit customers and performing credit risk analysis. Successful candidates will possess strong communication skills, preferably in Japanese, and a degree in finance or accounting.

Responsibilities include due diligence, credit analysis, and ensuring compliance with regulatory requirements. Experience in financial institutions and knowledge in financial analysis are essential.

Qualifications

• 1-4 years of experience in financial institutions or financial analysis.
• Excellent communication skills, both oral and written.
• Completion of formal credit training is a plus.

Responsibilities

• Manage a designated portfolio of Japanese corporate credit customers.
• Perform due diligence and regular reviews.
• Analyze credit risk and prepare detailed credit analyses.

Skills

Credit risk analysis

Communication skills

Cash flow modeling

Industry knowledge

Japanese language proficiency

Education

MBA Finance

CA

CFA

Job description

## Analyst- Credit Corporates- AmericasApplylocations: MUFG Global Service Private Ltd. - Mumbai (NKP)time type: Full timeposted on: Posted Todayjob requisition id: 10076762-WD**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.**Job Profile****Position details*** Support Portfolio Management Group and handle credit coverage for US subsidiaries of Japanese Corporates.* The Junior will be a corporate finance professional, supporting US subsidiaries of publicly traded Japanese corporations. The critical function of assessing risk factors associated with a credit and determining appropriate rating based on established policies and guidelines. Responsibilities will include supporting the active credit management of a designated portfolio utilizing solid credit and analytical skills. Provide continuous oversight of portfolio names, monitoring for potential upgrading, downgrading and credit deterioration with the goal of maximizing net income and reducing credit costs.**Roles and Responsibilities**Active Portfolio Management of Designated Customers under the Guidance of Senior Portfolio Managers* Manage a designated portfolio of Japanese 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 portfolio manager.* Prepare detailed credit analysis and credit applications in accordance with US Credit Policy, Credit-Related Procedures, Credit Rules, and JCB Credit Operating Manual, 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 portfolio 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 relationship 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 portfolio manager.* Communicate with credit divisions with regard to rating rationale, facility structuring / exposures, and ensure credit divisions are furnished with all credit related information / analysis pertinent to making a decision.Policy Compliance* Ensure compliance with external regulatory requirements (JFSA, BOJ, SNIC, OCC,FED etc).* Ensure compliance with internal policy and procedures by understanding and adhering to US Credit Policy, Credit-Related Procedures, Credit Rules, Procedures for Credit Ratings, JCB Credit Operating Manual, and any other applicable pronouncements.**Job Requirements:*** 1-4 years of working experience in financial institutions or equivalent, in accounting / financial analysis areas.* Excellent communication skills (both oral and written).* Japanese language skill preferred* MBA Finance or CA or CFA degree required* Completion of formal credit training is a plus.