Senior Analyst- Credit Corporates- EMEA

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About the Role
Position Title: Credit Analyst - EMEA Corporates
Corporate Title: Analyst
Internal Title: Senior Analyst
Location: Mumbai- Nirlon Knowledge Park
Reporting To: Vice President

Purpose of Role

• We are looking for an ambitious credit analyst to cover a varied portfolio across EMEA region. 

• The Credit Analysis team is the Bank’s first line of defence and works closely with GCIB bankers, Product partners and Credit approvers to promote an optimal risk / return on the banks’ lending opportunities.

• The credit analyst will perform forward looking fundamental credit analysis on the borrowers, annual reviews and limit renewals, support on ad-hoc requests and periodic reviews when necessary.

Main Responsibilities

• Manage a portfolio of EMEA Corporate clients and undertake objective detailed due diligence of borrowers / industry. 

• Managing end to end annual renewal of limits and borrower ratings as per the Banks credit processes and procedures collaborating with other stakeholders (Relationship Managers, Product teams and Credit Officers / Approvers).

• Covenant checks and periodic monitoring reports.

• Preparation of periodic sector reports and event-based stress tests of the portfolio as necessary.

• Support Relationship Managers / Senior Credit Analysts in the department on adhoc requests related to new transactions or other portfolio reviews.

• Audit management – Internal, External including regulatory inspections

• Ability to multi-task and manage ever-changing and often conflicting priorities; Ability to work with a high level of motivation and initiative; Work diligently to develop technical skills and industry knowledge related to the role.

• Ensure accurate and timely compliance with internal policies and reporting procedures.

Candidate Profile

• Extensive experience in fundamental Corporate 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, or a strong motivation to move into a more transaction driven environment.

• Candidates should have 2+ years of relevant work experience.

Functional / Technical Competencies:

• Experience of covering EMEA Corporates.

• A good understanding of loan documentation and key credit protections.

• Understanding of market risk and ISDA documents would be preferred/ beneficial.

• Familiarity with Bloomberg / CapIQ and similar systems.

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.