AVP - Credit Officer

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Position Title   : Credit Risk Professional-Assistant Vice President, Diversified industries

Corporate Title: Assistant Vice President

Internal Title: Manager/ Assistant Vice President

Reporting to    :  MGS Vice President / US Sector Credit Lead                    

Location          : Mumbai        

• Assist the SLoD team in the management of the Energy (Oil & Gas, Power) / Diversified industries / FIG / Tech and Healthcare portfolio.
• Analyze credit risk of the designated portfolio, determine accurate ratings and make recommendations of accurate and timely ratings to management
• Prepare detailed credit memos in accordance with appropriate policies and procedures, evaluating the borrower’s industry/business/legal/financial risks and demonstrate effective challenge to provide an informed credit recommendation
• Collaborate productively with the business line to manage safety and soundness while developing the portfolio
• Coordinate and communicate critical account information independently and directly to various related parties throughout the bank, business line, product groups and credit divisions
• Perform due diligence and regularly scheduled reviews
• Ensure compliance with external regulatory/internal policy and procedural requirements

• Work with business lines/product groups to identify prospective transactions
• Identify structural risks and mitigants in prospective transactions and recommend/enhance structuring of deals and covenant in line with policies and procedures.
• Demonstrate strong verbal and written communication skills and provide relevant information/analyses to the credit officer and Group Head for final recommendation.

7 -11 years’ experience at financial institutions or equivalent in credit and/or portfolio management of corporates within the above mentioned sectors. In depth knowledge of general corporate credit analysis, credit/risk management, underwriting leveraged loans and conducting valuation analysis Ability to build complex financial models to assess the customer’s repayment ability. In depth knowledge of loan documentation and structural risks in corporate finance. Understanding of regulatory environment both in Japan (FSA, BOJ) and the U.S. (FRB, FDIC) will be beneficial.

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.