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Position Title: Credit Analyst – Hong Kong Corporates                             

Corporate Title: Analyst

Internal Title- Analyst/ Senior Analyst                                    

Location: Mumbai- Nirlon Knowledge Park-Goregaon

Job Profile

Key Responsibilities:

The key areas of responsibilities are as follows:

• Manage a portfolio Hong Kong Corporates and undertake objective detailed due diligence of borrowers / industry and prepare credit assessment reports.
• Manage end to end annual renewal of limits and borrower ratings as per the Bank’s credit processes and procedures collaborating with other onshore and offshore stakeholders (Relationship / portfolio Managers, Product teams and Credit Approvers).
• Carry out portfolio monitoring, including covenant checks and interim financial monitoring reports. Preparation of periodic sector reports and stress tests of the portfolio (e.g. exchange rate volatility, tariff war, crude price volatility) based on continuous monitoring of developments.
• Support Relationship Managers / Credit Officers on adhoc requests related to new transactions or portfolio reviews.
• Handling of Cash flow projections, waiver and amendment requests for internal conditions
• Undertake and lead calls with key internal stakeholders to ensure smooth portfolio management.
• Support in preparation of presentations for Management reporting, Credit Committee meetings etc.
• Audit management – Internal, External including regulatory inspections
• Maintenance of credit databases as per Banks procedures and requirements.
• Ensure accurate and timely compliance with internal policies and reporting procedures.

Functional / Technical Competencies:

• Strong understanding of financial statements, credit analysis of Large corporate Clients with knowledge of key regulatory requirements. 
• Prior work ex on Hong Kong / Greater China or APAC Corporates in a GCC / bank.
• A good understanding of loan documentation and key credit protections.
• Ability to understand macroeconomic environment & its impact on the borrowers / portfolio.
• Knowledge of PPT, Bloomberg / Cap IQ, AI tools for credit and similar systems, advanced proficiency in Microsoft Excel.
• Banking product knowledge, market risk and ISDA documents is an advantage.

Personal Requirements

• Must possess excellent report writing and communication skills.
• Self-starter with initiative, drive, and enthusiasm.
• Analytical thinker with the ability to work independently and manage multiple priorities across diverse workstreams and stakeholders.
• Attention to detail, accuracy, strong willingness and ability for developing new skills, sensitivity towards timelines and problem-solving mindset.

Qualification:

• MBA / equivalent from a premier institute
• CA/ CFA

Years of experience:

• Analyst / Senior Analyst from 2 to 5yrs,
• Corporate credit analyst working in a Global Capability Centre (GCC). Existing exposure to Hong Kong / Greater China or APAC Corporates.

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.