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.

About the Role

Position Title:                         Analyst

Corporate Title:                      Credit Analyst

Reporting to:                          Director

Location:                                 Chennai

Job Profile

Purpose of Role

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)

Main Responsibilities

Customer

• 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).

Other/Control

• Collect relevant information and prepare credit applications for approvals.
• 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.
• Adhere to all company policies as well as guidelines.
• Ensuring adherence to internal control mechanisms relating to credit lines expiry, over-dues and other compliance matters
• To execute work concerning various schemes and directives provided by RBI or any other financial institution including follow up action
• To ensure timely compliance / follow up action of observations made by the Inspectors of RBI / any other examiner on receipt of their reports
• To arrange proper maintenance of Files, Registers, Ledgers and other books of the Department.
• To meet Customers and conduct factory visits for better understanding of business and credit assessment process.

Inter Departmental Co-ordination

• To work in close co-ordination with JCBD, CRMD , Legal / Compliance Department & other departments in the related areas to ensure smooth work flow
• Coordinate with other departments to carry out standing instructions if required.      

Candidate Profile

Expertise / knowledge required:

• 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.

Requirements:

• Chartered Accountant / MBA Finance from reputed Institution shall be preferable
• 3 - 5 years of relevant experience (Credit Analysis experience in Mid / Large sector in Corporate Banking shall be preferred)

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.