MUFG India
MUFG India | Credit Analyst
Upload your resume & find all jobs matching it
See how well this job fits you — plus every other live job that matches your skills and experience.
PDF, DOCX or photo
Applying here? Tailor your resume to this job - see which keywords it asks for that your resume is missing.
Job Highlights
Responsibilities
- Responsible for preparing credit applications / Borrower Ratings / Credit analysis across a variety of industries for Japanese Customers across all India branches (primarily Chennai & Bengaluru branch).
- Develop and maintain strong stakeholder management with key stakeholders both within MUFG and externally.
- Work in partnership with JCBD Relationship Managers in All Indian Branches (primarily Chennai & Bengaluru branch) to support the team in resolving any complex credit processes.
- Work in partnership with Credit department to resolve any credit application issues and share various credit reports prepared by the team.
- Develop & Discuss brief Industry Reports, Credit Updates, Study sessions on credit related matters amongst Japanese Business Group for All India branches (primarily Chennai & Bengaluru branch).
- Prepare borrower ratings against MUFG’s guidelines and policies.
- Monitor due date controls to support the credit renewal facility and ensure that covenant checks are completed in a timely manner.
- Prepare reports to monitor submission of documents on covenants checks to ensure that credit applications are appropriately supported.
- Support the delivery of timely process improvement initiatives for the department.
- Support in internal and external audits by coordinating activities for the department.
- Maintain good working knowledge of industry trends, products, relevant laws and regulations.
- Ensuring adherence to internal control mechanisms relating to credit lines expiry, over-dues and other compliance matters.
- Coordinate with other departments to carry out standing instructions if required.
- Collect relevant information and prepare credit applications for approvals.
- Adhere to all company policies as well as guidelines.
Requirements
- Good analytical skills to interpret large and complex data sets and ability to identify implications of data sets.
- Good communication and presentation skills with ability to influence others using complex data or analysis to support line of reasoning.
- Experience in reviewing and preparing credit application including projection modelling.
- Good knowledge of industries and economic environment in the region.
- Understanding of Bank’s and its entities products and their risks.
- 3 - 5 years of relevant experience (Credit Analysis experience in Mid / Large sector in Corporate Banking shall be preferred).
About the company
MUFG (Mitsubishi UFJ Financial Group)
Headquartered in Marunouchi, Tokyo, Mitsubishi UFJ Financial Group (MUFG) is the holding company of a Japanese banking and financial services group. It was established in 2001 and is listed in Tokyo, Nagoya and New York. Its main subsidiaries include MUFG Bank, Mitsubishi UFJ Trust and Banking and Mitsubishi UFJ Securities Holdings, along with Bank of Ayudhya (Krungsri) and Bank Danamon. MUFG opened its first Indian branch in Mumbai in 1953. MUFG Bank now has branches in Mumbai, New Delhi, Chennai, Bengaluru and Neemrana, plus a GIFT City branch opened in 2022, and since 2020 a wholly owned subsidiary, MUFG Global Service, has handled technology, operations, credit and KYC work from Bengaluru and Mumbai.
MUFG's finance-related roles in India cover internal audit (financial crime, finance and treasury reporting, risk, legal and IT), FP&A and finance process work, project, fund and leveraged finance, credit analysis, market, liquidity and counterparty credit risk modelling, KYC and compliance testing. They are based in Bengaluru, Chennai, Mumbai, New Delhi and GIFT City in Gandhinagar. Postings generally ask for a bachelor's degree in accounting, finance or business, and many name a Chartered Accountant, an MBA in Finance or a CFA as preferred; some audit roles also mention CIA or CAMS.
