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.
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.
Contribute to the development, adaptation and implementation of policies and procedures aligned with internal and regulatory requirements and industry best practices.
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 departments in other Branches to support transactions booked in other Branches’ balance sheet.
Work in partnership with Credit Divisions to resolve any complex credit application issues and share various credit reports prepared by the team.
Support the Team Lead and deputise the team in the absence of Team Lead.
Act as role model to team members and adhere to all company policies/guidelines.
Support and mentor team members to develop their credit analysis skills, fostering a positive and inclusive work environment and enhancing overall team performance.
Collect relevant information from Relationship Managers and prepare credit applications for approvals, ensuring that thorough analysis has been performed including analysis of cash flow projections.
Promote consistency in credit analysis across the portfolio.
Provide input and adding value to Relationship Managers by engaging in client and transaction discussions, structuring and risk mitigation strategies.
Review borrower ratings in accordance to MUFG’s guidelines and policies.
Monitor due date controls to support the credit facility renewals and ensure that covenant checks are completed in a timely manner.
Ensure prompt reporting of credit monitoring and escalation of triage assessments.
Support in developing and updating of local credit policies to ensure alignment with all relevant regulations.
Support and develop departmental initiatives to drive process improvement/efficiency.
Support in assessing the health of department’s credit portfolio, including but not limited to borrower ratings and collaterals control.
Support in internal and external audits by coordinating activities for the department.
Maintain good working knowledge of industry trends, products, relevant laws and regulations.
Participate in relevant committee meetings including presentation of portfolio review.
Adhere to all company policies as well as guidelines
Job Requirements:
Degree in Accounting, Finance, Banking and / or Commerce.
Professional qualifications eg. ACCA, CFA, CA would be advantageous.
Minimum of six years of experience in corporate banking in the area of credit analysis, transaction origination and structuring, and/or relationship management.
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.
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.
