- The Credit Analysis Department (CAD) is the Bank's first line of credit defence (1LoD, i.e. front office), sitting alongside Global Corporate & Investment Banking (GCIB) bankers to promote an optimal risk / return on the banks' lending opportunities.
- Credit Analysis Department is a 50+ team organised into 5 sector teams across EMEA. Sector teams are responsible for supporting new business opportunities and managing risk exposure across an EMEA wide client portfolio by working closely with Relationship/Product teams in the Front Office and the Bank's Credit Division (aka 2LOD).
- The department has diverse backgrounds with staff drawn having credit banking backgrounds, the Big 4 accountancy firms, credit rating agencies and other banking backgrounds.
- To lead and manage a CAD team in covering a varied portfolio of clients across developed and emerging economies in the Consumer, Retail & Healthcare sectors.
- Oversight of all credit work and workflow control including Credit Application and Borrower Rating commitments. Credit work will be forward looking fundamental credit calls on live transactions, limit renewals and annual reviews; working side by side with relationship bankers and product partners.
- Involvement in complex / high profile credit cases. Quickly able to assess key credit issues, raise salient points to the correct stakeholders and to assess the risk-reward trade off.
- Ensure the CAD team is aligned with GCIB business goals and objectives. Provide CAD support to GCIB strategy and associated initiatives to ensure achievement of business as well as broader EMEA objectives - balancing objective credit management imperatives with positive engagement with RMs.
- Ability to multi-task and manage ever changing and often conflicting priorities; Ability to work with a high level of motivation and initiative and ensure accurate and timely compliance with internal rules and reporting procedures.
- Compliance with all governance and regulatory requirements (internal and external).
- Train, recruit, manage and develop team/resource within the team.
- Extensive experience in assessing complex credit cases gained in a banking or asset manager environment. An emphasis on credit analysis in the context of transactions and events as well as a strong motivation to lead a transaction driven environment.
- Extensive experience of covering different industries in the EMEA region.
- An excellent understanding of loan documentation and key credit protections.
- Understanding of market risk and ISDA/CSA documents.
- Strong leadership, inter-personal, networking and influencing skills.
- Languages desirable, but not essential, and ability to work across regions with locally based GCIB bankers.
- Excellent communication skills
- Results driven, with a strong sense of accountability
- A proactive, motivated approach.
- The ability to operate with urgency and prioritise work accordingly
- Strong decision making skills, the ability to demonstrate sound judgement
- A structured and logical approach to work
- Strong problem solving skills
- A creative and innovative approach to work
- Excellent interpersonal skills
- The ability to manage large workloads and tight deadlines
- Excellent attention to detail and accuracy
- A calm approach, with the ability to perform well in a pressurised environment
- Strong numerical skills
- Excellent Microsoft Office skills
- A confident approach, with the ability to provide clear direction to your team
- Excellent managerial/leadership experience
- The ability to lead a high performing team
- A strategic approach, with the ability to lead and motivate your team
- The ability to articulate and implement the vision/strategy for the department
Director - Credit Analysis (12m Fixed Term Contract) - London, United Kingdom - MUFG
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
NUMBER OF DIRECT REPORTS
5-6
MAIN PURPOSE OF THE ROLE
KEY RESPONSIBILITIES
Bank Entity Responsibilities:
Securities Entity Responsibilities:
Through collaboration with Securities employees, facilitate the marketing and origination of transactions with your client base or area of product specialism in respect to the Securities product suite. The non-functional nature of this role means that you will not be able to transact (which means lead any structuring, credit, execution or commitment discussions) on behalf of any Securities legal entity; though through your role as RM or Product Specialist you will be able to share data and information, attend both internal and external meetings, offering up views and opinions. All recommendations and final decisions around structure, credit, pricing, execution and commitment must be made by a Securities employee or a functional dual-hat employee.
WORK EXPERIENCE
Essential:
SKILLS AND EXPERIENCE
Functional / Technical Competencies:
Education / Qualifications:
Degree level educated or equivalent. Other financial professional qualifications (e.g. CFA, ACCA, ACA etc) will be seen as highly beneficial.
PERSONAL REQUIREMENTS
We are open to considering flexible working requests in line with organisational requirements.
MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.
We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.