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Analyst / Associate, Credit Analysis - Industrials, Transport & Infrastructure

MUFG
London, United Kingdom
Posted 3 months ago Permanent Competitive
J
Posted by
Jasmin Jaideep
Recruiter

Do you want your voice heard and your actions to count?

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world. Across the globe, we’re 180,000 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 Credit Analysis team is the Bank’s first line of defence sitting alongside CIB bankers to promote an optimal risk / return on the banks’ lending opportunities.

Credit analysis is a 30+ team organised into 5 sector corporate teams. Each credit analyst is responsible for managing risk exposure across an EMEA wide portfolio. Analysts work with Front Office teams on live transactions & risk monitoring to identify and mitigate risks associated with the structure, documentation, counterparty, industry and macroeconomics.

 

Number of direct reports

None

 

Main purpose of the role:

 

  • The credit analyst will perform forward looking fundamental credit calls on live transactions, limit renewals and annual reviews. Along with client meetings the analyst completes a credit opinion including cash flow forecast, recommending approval, a neutral stance, or non-approval of the proposed transaction.
  • Updating financial analysis for quarterly and year end results. Actively monitoring assigned portfolio of corporates for potential changes in credit risk. Assign or update internal ratings.
  • The role sits in the Industrials, Transport & Infrastructure team.

 

Key responsibilities:

  • Lead complex client credit due diligence following key risk events or for on-boarding of new clients.
  • Quickly assess key credit issues, raise salient points to the correct stakeholders and to assess the risk- reward trade off.
  • Ability to multi-task and manage ever changing and often conflicting priorities; Ability to work with a high level of motivation and initiative;
  • Work diligently to develop technical skills and industry knowledge related to the role. Work towards becoming an expert in a sector and/or geography.
  • Ensure accurate and timely compliance with internal rules and reporting procedures.
  • Undertake specific country and industrial sector research and other project work as appropriate.
  • As directed support the development of junior staff members assigned to the team.

 

Work experience:

  • Extensive experience in fundamental credit analysis gained in either a bank, asset manager or rating agency environment.
  • There should be an emphasis on credit analysis in the context of a transaction or event.

 

Skills and experience:

Functional / Technical Competencies:

 

  • Experience of covering IG and NIG credit with leverage finance experience seen favourably.
  • Corporate credit analyst having covered a number of various sectors. A preference to Industrials, Transport & Infrastructure sectors. Knowledge of Automotive industry is a plus but not mandatory.
  • Ability to take a forward-looking view using cash flow modelling and stressing testing.
  • European languages would be advantageous
  • A good understanding of loan/bond documentation and key credit protections. Understanding of market risk and ISDA’s would be preferred although not mandatory.

 

Education / Qualifications:

Degree level and professional qualifications desirable. Either completed or working towards CFA, ACCA, ACA, ACT or similar qualifications would be highly beneficial. There is scope for MUFG to sponsor such professional qualification.

 

Personal requirements:

  • A proactive, motivated approach.
  • The ability to operate with urgency and prioritize work accordingly
  • Strong decision making skills, the ability to demonstrate sound judgement
  • A structured and logical approach to work
  • Strong problem solving skills
  • The ability to manage large workloads and tight deadlines
  • Excellent attention to detail and accuracy
  • Strong numerical 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.

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