Vice President - NBFI Credit Analysis

London, England, United Kingdom

12/11/2024

Do you want your voice heard and your actions to count?

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 120,000 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.

• The Credit Analysis Department (CAD) is the Bank’s first line of defence sitting alongside GCIB (Global Corporate and Investment Banking) bankers to promote an optimal risk / return on the banks’ lending and trading opportunities.
• Credit analysis is a 40+ team organised into 5 sector teams. Each credit analyst is responsible for managing risk exposure across an EMEA wide portfolio. Analysts work with Front Office teams on live transactions & risk monitoring to identify and mitigate risks associated with the structure, documentation, counterparty, industry and macroeconomics.
  
  

Number of Direct Reports

• None initially, but there is scope to develop managerial responsibilities in the future.
  
  

Main Purpose of the Role

• We are looking for a NBFI credit analyst to lead and cover a portfolio of clients across developed and emerging economies including Asset Managers / Financial Sponsors and Insurers. Knowledge of fund analysis (PE, Infra, Credit Funds or mutual / pension funds) as well as a strong understanding of the mitigants provided through an ISDA/CSA are required.
  
  

Key Responsibilities

• Oversight of NBFI-related 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.
• New client approvals, including setting credit appetite, limits and rating, performing due diligence calls/ visits, drafting/ negotiating credit terms for legal documentation
• Structure, negotiate and document new transactions including syndicated loans and bilateral loans
• 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.
• 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.
• Work with the Head of FI CAD to train, supervise and develop junior team members.
• Assist with other team workflow on the FI side, where appropriate or required.
• Analysing economic, market, regulatory, industry events/developments and assessing their impact on the portfolio. Reporting any relevant events to the Head of FI CAD and other relevant senior risk management.
• Analysing and interpreting the stress testing results and take actions as appropriate at counterparty, country and/or industry level
  
  

Work Experience

Essential:

• Experience in assessing NBFI 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 in a transaction driven environment.
  
  

Skills And Experience

Functional / Technical Competencies:

• Teamwork: evidence of being a strong team player, collaborates with others within and across teams
• Creativity: Looks for new ways to improve current processes and develop creative solutions that have practical value
• Problem solver: think ahead, anticipates questions, plans for contingencies, finds alternative solutions and identify clear objectives.
• Demonstrate strong credit skills and judgement, with an intensive “hand on” approach to analysing the details of credit and structure
• Strong interpersonal skills. Be able to establish credibility and trust with clients, product specialists and credit executives, and to partner with them effectively
• An excellent understanding of loan documentation and key credit protections.
• Understanding of market risk and ISDA/CSA documents.
  
  

Education / Qualifications:

• Degree level and professional qualifications desirable.
  
  

Personal Requirements

• A proactive, motivated approach with the ability to provide clear direction to the Associates / Analysts
• The ability to operate with urgency and prioritise work accordingly
• Strong decision-making skills, ability to demonstrate sound judgement
• The ability to manage large workloads and tight deadlines
• Excellent attention to detail and accuracy
  
  

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.