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Overview Of The Department/Section
Japanese Corporate Banking Division (London) is a front office in charge of business development of customers located in United Kingdom, Ireland and other demarcated countries in EMEA of which ultimate parents are Japanese Corporates.
Credit analyst team sits within the Corporate Banking Department together with the relationship management team, and its main responsibilities is to support the existing credit related businesses as well as origination of new credit businesses.
NUMBER OF DIRECT REPORTS
None
MAIN PURPOSE OF THE ROLE
- The role will require an ability to meet specific deadlines for the facility and borrower rating renewals of existing customers, as well as to be able to respond to an urgent ad-hoc request from the customer/RM’s requests, any credit related support including documentation process to be given for the origination of new businesses.
- Responsible for supervising the team members for the execution of objective analysis in respect of credit granting and credit control and to support relationship managers with the credit risk management queries while ensuring and providing a high level of (internal) customer service in line with agreed procedures and service standards.
Key Responsibilities
- Perform submission of credit and borrower rating applications as well as other monthly and quarterly reports for the complex customers and core customer groups in line with the Bank’s global rules on a timely manner.
- Provide high quality credit analysis and monitoring for the assigned customers within Japanese Corporate Banking Division (London) along with the specific sector/industry analysis in order to submit applications and relevant reports.
- Collaborate with other branches/offices, primary offices and credit division to deliver the transaction to meet the customers’ needs.
- Managing the daily workflow processed by the team effectively by coordinating with the team leader of credit analyst team the available resource and monitoring workflow. Provide assistance where the additional resources are required.
- Develop and enhance the skillset of the team by reviewing applications and reports prepared by each team members and assist them to complete before circulating to the relationship management team to ensure sufficient quality is maintained and to ensure compliance to rules, policies and procedures of the Bank.
- Maintain awareness of developing market sector and business trends in EU/Europe and on a world-wide basis.
- Undertake and support various credit related tasks as directed by the team leader of credit analyst team, as well as the Department Head and the senior management.
- Drive ongoing process improvement activities by identifying opportunities to increase efficiency, accuracy and collaborative working with particular attention to the quality of credit risk analysis.
- Provide assistances and training to implementation of processes and standards for JCBD credit risk space to ensure compliance with internal and external regulations and guidelines.
- Demonstrate MUFG’s values, specifically operate with integrity, professionalism and strong teamwork within JCBD.
Work Experience
- Relevant experience in credit analysis in subsidiary banking business for large/medium sized Japanese Corporates
- Required knowledge and experience in managing credit risks, including but not limited to understanding for risks for certain sector/country/industries, risks for different products and understanding of credit documentation terminologies.
- Experience in managing teams, interpreting and delivery against divisional strategic objectives
Skills And Experience
Functional / Technical Competencies:
- Thorough knowledge of credit and risk management, MUFG credit processes and procedures (or similar experience in another organization.), onboarding and originating credit facilities as well as understanding of regulatory requirements.
- Strong analytical and numeracy skills with a good attention to detail, strong customer focus, sound organizational, interpersonal and networking skills.
- Problem-solving skills with ability to manage various tasks and work towards tight deadlines.
- Global perspective, demonstrating inclusiveness through an appreciation of different perspectives and diversity.
- Sound knowledge and practical skills for Windows, MS Office (Word, Excel, Access, PowerPoint) Microsoft Outlook.
- Verbal and written communication skills in English and Japanese are essential.
Education / Qualifications:
- Degree Level and/or relevant industry expertise
Personal Requirements
- Candidate must be aware of Japanese working culture and its demand
- Excellent communication and interpersonal skills
- Results driven, with a strong sense of accountability
- A proactive, motivated approach
- The ability to operate with urgency and prioritize work accordingly
- The ability to demonstrate sound judgement
- Strong problem-solving skills
- The ability to manage large workloads and tight deadlines
- A calm approach with the ability to perform well in a pressurized environment
- Excellent attention to detail and accuracy with strong numerical skills
- Excellent Microsoft Office skills
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.
