Credit Analyst

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.

Overview of the Department/Section

The function forms part of Japanese Corporate Banking Department (JCBD) and is responsible for objective analysis and risk assessment in the division in respect of credit and market risk transactions in accordance with the bank’s policies, rules and guidelines and as such facilitating a balanced credit decision process.

Main Purpose of the Role 

Responsible for the execution of objective analysis in respect of credit granting and credit control and to support Department Heads (DH) Relationship Managers (RM) and with the credit risk management queries while ensuring and providing (internal) customer service in line with agreed procedures and service standards.

Key Responsibilities

• To complete in-depth financial analysis (Japanese company profiles), credit and borrower rating applications and other credit related applications and documentation as allocated by DH.
• To maintain awareness of developing market sector and business trends in EU/Europe and on a global basis.
• To prepare necessary internal and/or external reports on the credit related business and to communicate about it with relevant credit departments or divisions
• Participate in client meetings to gain a deeper understanding of business models and financial strategies.
• The review and determine a customer credit ratings on a regular basis to aid overall portfolio analysis.
• Timely preparation of credit applications prior to credit limit renewal dates (one month prior in principle). This is to facilitate a smooth credit decision making process and avoid unnecessary delays.
• Collaborate with Relationship Managers to structure credit facilities that meet client needs while mitigating risk.
• To seek to continuously improve operation practices/processes, with particular attention to the quality of credit risk analysis.
• To execute any other task or instructions given by DH and/or RMs in respect of any tasks or work in the interest of the smooth handling of the credit business in the bank.
• To ensure compliance with the Bank’s rules, policies, procedures and guidelines together with all relevant regulatory and statutory requirements.
• Conducting administrative operations in the field of credit transaction (communication with relative offices, monitor data reflection in the systems)
• Monitoring credit portfolio development
• A significant experience (at least 2 years) in a similar job.

Education/Qualifications:

• Bachelor’s or Master’s degree in Finance, Economics, Accounting, or a related field
• An excellent communication and interpersonal skills in French and English.

Personal requirements:

Personal alignment to MUFG values

• Integrity & Responsibility
• Professionalism & Teamwork
• Challenge ourselves to grow

Personal alignment to EMEA cultural principles

• Client Centric
• People Focused
• Listen Up, Speak Up
• Innovate & Simplify
• Own & Execute

General requirements

• Excellent communication skills
• Results and deadline driven, with a strong sense of accountability
• A proactive, motivated approach.
• A structured and logical approach to work
• Excellent attention to detail and accuracy
• A calm approach, with the ability to perform well with tight deadlines
• Strong numerical skills
• Excellent Microsoft Office 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.