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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.
- The 50+ team is 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.
Main Purpose of the Role
- We are looking for a senior credit analyst to cover a varied portfolio of largely non IG/ private company/ complex IG corporate credits across the EMEA TMT and Utilities space.
- 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 IG and NIG corporates for potential changes in credit risk. Assign or update internal ratings.
- Coach junior team members and assist team manager to review junior team members work papers.
- Assist team manager in the management of the team workflow and other day to day operations/ projects/ initiatives.
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 as well as leading other team or departmental project work as appropriate.
- As directed support the development of junior staff members through coaching and review of their work papers.
Work Experience
- Extensive experience in fundamental credit analysis preferably gained in a large corporate or investment bank.
- 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 Investment Grade, Non Investment Grade and private company credits would be seen favourably.
- Preference for prior experience in the TMT and/or Utilities sector across EMEA, albeit not mandatory.
- Experience in structured lending transactions (e.g. WBS/ Secured holdco financings etc) in the context of the Utilities sector would be advantageous.
- Ability to take a forward looking view using cash flow modelling and stressing testing.
- Existing experience in coaching, mentoring and reviewing junior credit analysts work.
- Strong understanding of complex loan/bond documentation and key credit protections. Good understanding of market risk and ISDA’s.
- Languages desirable and ability to work across regions with locally based coverage teams
Education / Qualifications:
- Degree level educated or equivalent
- Other financial professional qualifications (e.g. CFA, ACCA, ACA etc) will be seen as highly beneficial.
Personal Requirements
- A proactive, motivated approach.
- The ability to operate with urgency and prioritise 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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