Associate, Credit Analysis (CAD, Global Corporate & Investment Banking (GCIB) job opportunity at MUFG (Mitsubishi UFJ Financial Group).



DatePosted 30+ Days Ago bot
MUFG (Mitsubishi UFJ Financial Group) Associate, Credit Analysis (CAD, Global Corporate & Investment Banking (GCIB)
Experience: General
Pattern: full-time
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Credit Analysis (CAD, Global Corporate & Investment Banking (GCIB)

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degreeAssociate
loacation London, United Kingdom
loacation London....United Kingdom

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. The Credit Analysis team is the Bank’s first line of defence, sitting alongside CIB bankers to promote an optimal risk / return on the bank’s lending opportunities. The department comprises 50+ individuals organised across five sector-oriented teams. Each credit analyst is responsible for managing the risk exposure of an EMEA wide portfolio. Analysts work with Front Office counterparts on live transactions and portfolio monitoring to identify and mitigate risks associated with the counterparty, deal structure, documentation, industry and macroeconomic environment. CAD supports analyst progression through a commitment to learning and development, combining on the job experience with internal and external training, including sponsorship of CFA studies. The department draws team members from a wide range of backgrounds, including candidates with accountancy, rating agency and other banking experience. MAIN PURPOSE OF THE ROLE  The credit analyst’s role focuses on the preparation of forward-looking fundamental analysis in support of client onboarding, live transactions, facility renewals and annual reviews. The analyst will manage an individual portfolio and, over time, be expected to develop both a sector expertise and deep individual counterparty understanding, facilitating a comprehensive top down and bottom-up risk review process. The role includes actively monitoring portfolio performance, undertaking regular qualitative and quantitative corporate analysis, conducting client due diligence, developing forecast models and ultimately making recommendations on both internal credit ratings and transaction proposals. The role sits in the Energy sector team, with the portfolio focused on Oil & Gas, Metals & Mining and Chemicals, with borrowers mainly based in Europe. KEY RESPONSIBILITIES Participate in credit due diligence as part of the portfolio review process, as well as in the onboarding of new clients and following key risk events. Quickly assess pertinent credit issues, raising salient points to the correct stakeholders and analyse the risk reward trade-off. Work diligently to develop technical skills and industry knowledge related to the role, working towards sectoral and/or jurisdictional expertise.  Ensure accurate and timely compliance with internal rules and reporting procedures. Demonstrate ability to multi-task and manage ever changing and often conflicting priorities. Undertake specific country and industrial sector research and other department/ bank wide project work as appropriate. As directed support the development of other junior staff members assigned to the team. WORK EXPERIENCE Experience in fundamental credit analysis gained in either a bank, asset manager or rating agency environment. There should be an emphasis on credit analysis in the context of a transaction or event. Alternatively, an ambitious newly qualified ACA/ACCA looking for a career in banking will be considered. SKILLS AND EXPERIENCE Functional / Technical Competencies: Experience working with IG and NIG counterparties. Energy sector coverage (as outlined above) would be viewed favourably, albeit not mandatory. A strong quantitative background with a solid understanding of accounting and financial data analysis. A clear and concise business writing style reflecting a capacity to distil critical information from large data sources. Ability to conduct thorough due diligence and form a forward-looking view using cash flow modelling and stress testing. A good understanding of loan and ISDA/CSA documentation, market risk and key credit protections is beneficial. Education / Qualifications: Degree level and professional qualifications desirable (e.g. CFA, ACCA, ACA, ACT or similar qualifications). There is scope for MUFG to sponsor professional qualifications such as CFA. PERSONAL REQUIREMENTS A proactive, motivated approach. The ability to operate with urgency and prioritise work accordingly. The capacity to manage large workloads and tight deadlines. Strong decision-making skills, with the ability to demonstrate sound judgement. A structured and logical approach to problem solving. Excellent attention to detail and accuracy. Strong numerical 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.

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