AVP - Credit Officer

MUFG Bank, Ltd; Mumbai; On-site; INR 1,800,000 - 2,800,000; Full time

Job summary

MUFG Global Service Private Ltd. in Mumbai seeks an Assistant Vice President for Credit Risk to lead active portfolio management across Energy, Diversified industries, FIG, Tech, and Healthcare sectors.

The role focuses on accurate credit analysis, memos, and timely ratings decisions. Ideal candidates have 7–11 years in corporate credit, strong financial modeling, and deep regulatory knowledge in Japan and the U.S.

Qualifications

• 7–11 years of experience in corporate credit
• Expertise in energy/diversified industries/FIG/tech & healthcare sectors
• Ability to build complex financial models to assess repayment capacity
• Knowledge of loan documentation and covenant structures
• Understanding of regulatory environments in Japan and the U.S.

Responsibilities

• Active portfolio management of designated customers
• Assist the SLoD team in managing Energy/Oil & Gas, Power, Diversified industries, FIG, Tech & Healthcare portfolios
• Analyze credit risk and determine ratings; prepare memos and provide recommendations
• Collaborate with business lines to manage safety and soundness of the portfolio
• Coordinate critical account information to bank divisions and product groups
• Perform due diligence and scheduled reviews
• Ensure compliance with external regulatory/internal policy and procedures

Skills

Credit risk analysis

Portfolio management

Financial modeling

Loan underwriting

Regulatory knowledge

Job description

## AVP - Credit OfficerApplylocations: MUFG Global Service Private Ltd. - Mumbai (NKP)time type: Full timeposted on: Posted Todayjob requisition id: 10077885-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.**About the Role**Position Title : Credit Risk Professional-Assistant Vice President, Energy / Diversified industries / FIG / Tech and Healthcare Corporate Title: Assistant Vice PresidentInternal Title: Manager/ Assistant Vice PresidentReporting to : MGS Vice President / US Sector Credit Lead Location : Mumbai **Roles and Responsibilities****Active portfolio management of designated customers*** Assist the SLoD team in the management of the Energy (Oil & Gas, Power) / Diversified industries / FIG / Tech and Healthcare portfolio.* Analyze credit risk of the designated portfolio, determine accurate ratings and make recommendations of accurate and timely ratings to management* Prepare detailed credit memos in accordance with appropriate policies and procedures, evaluating the borrower’s industry/business/legal/financial risks and demonstrate effective challenge to provide an informed credit recommendation* Collaborate productively with the business line to manage safety and soundness while developing the portfolio* Coordinate and communicate critical account information independently and directly to various related parties throughout the bank, business line, product groups and credit divisions* Perform due diligence and regularly scheduled reviews* Ensure compliance with external regulatory/internal policy and procedural requirements**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.* Demonstrate strong verbal and written communication skills and provide relevant information/analyses to the credit officer and Group Head for final recommendation.**Job Requirements:**7 -11 years’ experience at financial institutions or equivalent in credit and/or portfolio management of corporates within the above mentioned sectors. In depth knowledge of general corporate credit analysis, credit/risk management, underwriting leveraged loans and conducting valuation analysis Ability to build complex financial models to assess the customer’s repayment ability. In depth knowledge of loan documentation and structural risks in corporate finance. Understanding of regulatory environment both in Japan (FSA, BOJ) and the U.S. (FRB, FDIC) will be beneficial.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.