Purpose of the Job

Responsible for preparing robust credit applications for Corporates across a variety of industries in country and across the region. Also, support in monitoring the department/Branch credit portfolio including but not limited to borrower ratings, credit due date control and collaterals to identify any credit risks to the department.

Job Responsibilities:

Develop and maintain strong stakeholder management with key stakeholders within MUFG
Work in partnership with colleagues across the region to deliver an integrated service for our customers.
Work in partnership with Relationship Managers in the country to support the team in resolving any complex credit processes or credit operational issues
Work in partnership with Relationship Managers and Credit department in other Branches to support transactions booked in other Branches balance sheet
Work in partnership with Credit Division to resolve any complex credit application issues and share various credit reports prepared by the team
Support the Team Lead
Collect relevant information from relationship managers and prepare credit applications for approvals, ensuring that thorough analysis has been performed including analysis of cash flow projections.
Review borrower ratings in accordance to MUFG's guidelines and policies.
Monitor due date controls to support the credit facility renewal and ensure that covenant checks are completed in a timely manner.
Prepare reports to monitor submission of documents on covenants checks to ensure that credit applications are appropriately supported.
Support in updating local credit policies to ensure alignment with all relevant regulations.
Support the delivery of timely process improvement initiatives for the department.
Support in assessing the health of department's credit portfolio, including but not limited to borrower rating and collaterals control
Support in internal and external audits by coordinating activities for the department.
Maintain good working knowledge of industry trends, products, relevant laws and regulations.
Participate in relevant committees in the region
Adhere to all company policies as well as guidelines

Job Requirements

Degree qualified
Minimum 1 year of experience as a Corporate Credit Analyst within the banking industry (Analyst)
Minimum 3 years of experience as a Corporate Credit Analyst within the banking industry (AVP)
Basic accounting knowledge
Strong analytical skills to interpret large and complex data sets and ability to identify implications of data sets.
Good communication and presentation skills with ability to influence others using complex data or analysis to support line of reasoning.
Experience in preparing credit application including cashflow projection
Good knowledge of industries and economic environment in the region.
Detailed understanding of Bank's products and their risks.