AboutUs:

MUFGBank,Ltd. isJapanspremier bank, withaglobalnetworkspanninginmorethan40markets.Outside of Japan, the bank offers an extensive scope of commercial and investment banking products and services to businesses, governments, and individuals worldwide. MUFG Banks parent, Mitsubishi UFJ Financial Group, Inc. (MUFG) is one of the worlds leading financial groups. Headquartered in Tokyo and with over 360 years of history, the Group has about 120,000 employees and offers services including commercial banking, trust banking, securities, credit cards, consumer finance, asset management, and leasing.

The Group aims to be the worlds most trusted financial group through close collaboration among our operating companies and flexibly respond to all the financial needs of our customers, serving society, and fosteringsharedandsustainablegrowthfor abetter world.MUFGssharestradeontheTokyo, Nagoya, and Current York stock exchanges.

AbouttheRole:

PositionTitle:CreditAnalyst -USCorporates

Corporate Title: Senior Analyst

InternalTitle:Senior Analyst

Location: Mumbai- Nirlon Knowledge Park
JobProfile:

OverallPurposeofJob:

- Support Portfolio Management Group (PMG) for credit portfolio management and credit risk assessment.
- Manage/support credit coverage with moderateoversightfromtheSeniorCreditOfficersforcorporatebankingclientsbasedinNorthAmerica.

JobResponsibilities:

- ActiveCreditRiskManagementofDesignatedCustomersundertheGuidanceofSeniorCreditRisk Managers
- Manageadesignatedportfolio ofUSCorporatecreditcustomers.
- Performduediligenceandscheduledreviewsregularly.
- Analyze credit risk of the designated portfolio, determine accurate ratings,



and make recommendationsofaccurateandtimelyratingstomanagementwithsupportfromseniorcreditrisk manager.
- PreparedetailedcreditanalysisandcreditapplicationsinaccordancewithAmericasCreditPolicy, Americas Credit-RelatedProcedures,CreditRules, evaluating theborrowers industry/ business/ legal / financial risks and recommending extensions of credit to management.
- Basic cash flow modeling skills and understanding of assigned industries / industry sub-sectors are required andmaintainmostupdatedknowledgeontheindustriesthroughinternal/externalsources and direct communication with the customers.
- Abletounderstandandassessriskofstandardbankproductssuchasloans,stand-byLC,trade finance, forex, derivatives, and securitization.
- Maintaindirectcommunicationwithassignedcustomers.
- Oversightofcovenantscompliance,facilityduedate,condition/instruction/reportrequired.
- Responsibleforcoordinatingandcommunicatingaccountinformationtointernalauditorsand external regulators (e.g., FRB, FSA, BOJ, SNIC, OCC).
- Ongoingtrainingtoenhancetheall-aroundskillsetsofacreditriskmanager.
- Performotherrelatedfunctionsasassigned.

DealSupport:

- Workwithbusinesslines/productgroupstoidentifyprospectivetransactions.
- Identifystructuralrisksandmitigantsinprospectivetransactionsandrecommend/enhance structuring of deals and covenant in line with policies and procedures.
- Advise credit risk managers on credit risk issues,



terms & conditions, to create the best possibledealwithagoalofimprovingprofitandminimizingcreditcostwithsupportfromseniorcredit risk manager.
- Communicatewithcreditdivisionsregardingratingrationale,facilitystructuring/exposures,and ensure credit divisions are furnished with all credit related information / analysis pertinent to decision making.

PolicyCompliance:

- Ensurecompliancewithexternalregulatoryrequirements(JFSA,BOJ,FRB,OCC).
- EnsurecompliancewithinternalpolicyandproceduresbyunderstandingandadheringtoAmericas Credit Policy, Americas Credit-Related Procedures, Credit Rules, Procedures for Credit Ratings, Manual, and any other applicable pronouncements.

JobRequirements/Qualification:

- Minimumof2yearsofworkingexperienceinfinancialinstitutionsorequivalent,inaccounting/ financial analysis areas.
- Shouldhaveexperienceincreditanalysisofcorporates, preferably of North America.
- Strongfinancialmodelingandanalyticalskillsamust.
- Excellentcommunicationskills(bothoraland written).
- Mastersdegreerequired(majorinaccounting/finance/businesspreferred).
- MBAorCFAis a plus.
- Completionofformalcredittrainingisaplus

EqualOpportunityEmployer:

TheMUFGGroupiscommittedtoprovidingequalemploymentopportunitiestoallapplicantsandemployees and does not discriminate on the basis of race, colour, nationalorigin, physicalappearance,religion, gender expression,genderidentity,sex,age,ancestry,maritalstatus,disability,medicalcondition,sexualorientation, genetic information, or any other protected status of an individual or that individual's associates or relatives, or any other classification protected by the applicable laws.

📌 Senior Credit Analyst - US Corporates (Mumbai)
🏢 MUFG Global Service
📍 Mumbai