Associate, Credit Analysis - London, United Kingdom - MUFG

MUFG

Verified Company

London, United Kingdom

2 weeks ago

Posted by:

Tom O´Connor

beBee Recruiter

Description

Do you want your voice heard and your actions to count?
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 7th largest financial group in the world. Across the globe, we're 160,000 colleagues, striving to make a difference for every client, organization, and community we serve.

We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.

With a vision to be the world's most trusted financial group, it's part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility.

This means investing in talent, technologies, and tools that empower you to own your career.

Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.

Overview of the Department/Section

The Commodity Finance ("CF") Team primarily provides working capital solutions to commodity traders and commodity corporates based in EMEA (Producers, processors, marketers, distributors, etc) to meet their financing needs in all phases of commodity trading activities;
CF is relationship manager for Independent Commodity Traders and for some Commodity Corporates;
CF is product partner for RM offices of most Commodity Corporates.

Number of Direct Reports

None

Main Purpose of the Role

Provide credit analysis and monitor risks/deadlines to support the credit process and transaction execution;
Support Relationship Managers to enable the effective development, execution and management of customer relationships;
Support Head of Portfolio Management to enhance the credit process, contribute to strategic initiatives as well as provide support to the overall portfolio management.
Responsible for product management of the CSTF (Commodity & Structured Trade Finance) product suite as relevant, ensuring all trade finance products are sold within the set parameters, adhere to product policies and service requirements agreed. ETBO (Transaction Banking) have been assigned the responsibility to coordinate the tasks of the product manager on behalf of CSTF with regular input from CSTF.

Key Responsibilities

Manage a portfolio of credit accounts, which require supporting Relationship Managers; performing creditrelated due diligence; identify, quantify risk drivers and propose mitigants in structured and vanilla transactions; transaction execution; monitor deadlines; and, review and execute facility documentation;
Assist Relationship Managers in their review and execution of Facility and Security documentation to ensure that commercial and legal aspects meet MUFG standards;
Conduct data manipulation and analysis, including running financial scenarios, to enable interpretation of figures, patterns and trends to provide relationship managers with information to support decision making;
Conduct research from a range of generalised and specialist sources, extracting relevant information and summarising data to inform decision making at more senior levels;
Liaise with internal counterparts throughout MUFG and with external counterparts to gather relevant information to support decision making and planning;
Collaborate with internal counterparts to develop compromise solutions, for challenging credit cases;
Understand the business, regulatory and risk framework, working with the business to assist its growth while ensuring compliance with internal policies and risk appetite;
Support the Head of Portfolio Management to enhance the credit process, contribute to strategic initiatives as well as support the overall portfolio management;
Develop and guide graduates and interns to expand their credit skillset and profile.

Work Experience

Essential:

Good corporate credit analysis and research skills (including stress test and modelling) ideally gained in a banking environment (minimum 3 years).

Preferred:

Experience in a Credit Sanctioning Department;
A background in natural resources finance.

Skills and Experience

Functional / Technical Competencies:

Essential

Specialist knowledge and extensive experience in credit analysis
Strong analytical and numeracy skills based on relevant credit systems and models
Strong presentation and communication skills both oral and written;
Computer literacy, including core Microsoft Office suite (Excel, PowerPoint)
Interpersonal skills and networking skills

Preferred: