Senior Analyst - JCBD - EMEA Credit Corporates

Overview

Junior corporate finance professional supporting the EMEA Credit Corporates team in the Portfolio Management Group, handling credit coverage for EMEA subsidiaries of publicly traded Japanese corporations.

What you'll do

• Manage a designated portfolio of Japanese corporate credit customers under the guidance of Senior Portfolio Managers.
• Perform due diligence and scheduled reviews regularly.
• Analyze credit risk of the designated portfolio, determine accurate ratings, and make recommendations of accurate and timely ratings to management with support from senior portfolio manager.
• Prepare detailed credit analysis and credit applications in accordance with EMEA Credit Policy, Credit-Related Procedures, Credit Rules, and JCB Credit Operating Manual, evaluating the borrower's industry, business, legal and financial risks and recommending extensions of credit to management.
• Apply basic cash flow modeling skills and maintain up-to-date knowledge of assigned industries and industry sub-sectors through internal and external sources and direct communication with customers.
• Understand and assess risk of standard bank products such as loans, stand-by LC, trade finance, forex, derivatives, and securitization.
• Maintain direct communication with assigned customers.
• Oversee covenant compliance, facility due dates, and conditions, instructions and reports required.
• Coordinate and communicate account information to internal auditors and external regulators (e.g., FRB, FSA, BOJ, SNIC, OCC).
• Complete ongoing training to enhance the all-around skill sets of a portfolio manager.
• Perform other related functions as assigned.
• Work with business lines and product groups to identify prospective transactions.
• Identify structural risks and mitigants in prospective transactions and recommend or enhance deal structuring and covenants in line with policies and procedures.
• Advise relationship managers on credit risk issues, terms and conditions to create the best possible deal, with support from senior portfolio manager.
• Communicate with credit divisions on rating rationale, facility structuring and exposures, and ensure they receive all credit-related information and analysis needed for decisions.
• Ensure compliance with external regulatory requirements (JFSA, BOJ, PRA etc.) and internal policies and procedures, including EMEA Credit Policy, Credit-Related Procedures, Credit Rules, Procedures for Credit Ratings, and JCB Credit Operating Manual.

What you'll need

• 1-4 years of working experience in financial institutions or equivalent, in accounting or financial analysis areas.
• MBA Finance, CA or CFA degree.
• Excellent oral and written communication skills.
• Basic cash flow modeling skills.

Nice to have

• Japanese language skill.
• Completion of formal credit training.

Details

• Location: MUFG Global Service Private Ltd., Mumbai (NKP).