Analyst, 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 120,000 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.

Purpose of the role

• Conduct comprehensive credit analysis and prepare credit applications for corporate clients across a variety of industries predominantly in Singapore but also in the region.

• Evaluate creditworthiness of potential and existing clients, using a variety of tools including financial statements analysis, financial projection modelling and industry peer benchmarking.

• Support in monitoring the department/Branch credit portfolio including but not limited to borrower ratings, credit due date control and collaterals to identify credit risks to the department.    

Job Responsibilities:

• Develop and maintain strong stakeholder management with key stakeholders within MUFG.

• Work in partnership with colleagues across the region to deliver an integrated service for our customers.

• Work in partnership with relationship managers in the country to support the team in resolving any complex credit processes or credit operational issues.

• Work in partnership with relationship managers and credit department in other branches to support transactions booked in other branches.

• Work in partnership with credit divisions to resolve complex credit application issues.

• Collect relevant information from relationship managers and prepare credit applications for approvals, ensuring thorough analysis including analysis of financial projections.

• Review borrower ratings in accordance to MUFG’s guidelines and policies.

• Monitor due date controls to support credit facility renewals 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 in updating local credit policies to ensure alignment with all relevant regulations. 

• Support the delivery of timely process improvement initiatives for the department.

• Support in assessing the health of department’s credit portfolio, including but not limited to borrower rating and collaterals control.

• Support in internal and external audits by coordinating activities for the department.

• Maintain good knowledge of industry trends, products, relevant laws and regulations.

• Identify, prepare and present relevant topics on credit-related issues, risks and trends in monthly credit meetings.

• Comply with relevant MAS regulations and MUFG policies and guidelines.

Job Requirements:

• Degree in Accounting, Finance, Banking and / or Commerce.

• Professional qualifications eg. ACCA, CFA, CA would be advantageous.

• Minimum one year of corporate credit experience within the banking/financial institution industry.

• Candidates with no experience but has prior accounting or credit-related internship experience may also be considered.

• Strong analytical skills to interpret financial data, identify risks and find mitigation to risk issues.

• Good communication and presentation skills.

• Attention to detail and accuracy, including strong numerical skills and ability to work under time pressure.

• Experience in preparing credit applications.

• Strong Microsoft Office skills, especially Excel, Word and PowerPoint.

• Good knowledge of industries and economic environment in the region.

• Strong understanding of corporate banking products and their risks.

We regret to inform that only shortlisted applicants will be notified.

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.