AVP - Credit Analyst - Hongkong Corporates [T500-21692]

About Us:

MUFG Bank, Ltd. is Japan’s premier bank, with a global network spanning in more than 40 markets. Outside of Japan, the bank offers an extensive scope of commercial and investment banking products and services to businesses, governments, and individuals worldwide. MUFG Bank’s parent, Mitsubishi UFJ Financial Group, Inc. (MUFG) is one of the world’s leading financial groups. Headquartered in Tokyo and with over 360 years of history, the Group has about 180,000 employees and offers services including commercial banking, trust banking, securities, credit cards, consumer finance, asset management, and leasing.

The Group aims to be the world’s 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 fostering shared and sustainable growth for a better world. MUFG’s shares trade on the Tokyo, Nagoya, and New York stock exchanges.

MUFG Global Service Private Limited:

Established in 2020, MUFG Global Service Private Limited (MGS) is 100% subsidiary of MUFG having offices in Bengaluru and Mumbai. MGS India has been set up as a Global Capability Centre / Centre of Excellence to provide support services across various functions such as IT, KYC/ AML, Credit, Operations etc. to MUFG Bank offices globally. MGS India has plans to significantly ramp-up its growth over the next 18-24 months while servicing MUFG’s global network across Americas, EMEA and Asia Pacific

About the Role:

Position Title: Credit Analyst – Hong Kong Corporates

Corporate Title:

Internal Title

Location

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 Client

  s

  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.
• Strong hold on PPT

• Ability to understand macroeconomic environment & its impact on the borrowers / portfolio.
• Knowledge of Bloomberg / Cap IQ, PPT, 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:

• Ability to mentor a team of junior analysts
• Must possess excellent report writing
  and communication skills.
• Self-starter with initiative, drive, and enthusiasm.
• Analytical thinke

  r

  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:

• AVP 10+ yrs
• Corporate credit analyst working in a Global Capability Centre (GCC). Existing exposure to Hong Kong / Greater China or APAC Corporates.

Equal Opportunity Employer:

The MUFG Group is committed to providing equal employment opportunities to all applicants and employees and does not discriminate on the basis of race, colour, national origin, physical appearance, religion, gender expression, gender identity, sex, age, ancestry, marital status, disability, medical condition, sexual orientation, 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 law