Purpose of the role

• Conduct comprehensive credit analysis and prepare credit applications for corporate clients across a variety of industries predominantly in Singapore but also in the region.
• Evaluate creditworthiness of potential and existing clients, using a variety of tools including financial statements analysis, financial projection modelling and industry peer benchmarking.
• Support in monitoring the department/Branch credit portfolio including but not limited to borrower ratings, credit due date control and collaterals to identify credit risks to the department.
• Contribute to the development, adaptation and implementation of policies and procedures aligned with internal and regulatory requirements and industry best practices.

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 departments in other Branches to support transactions booked in other Branches' balance sheet.
• Work in partnership with Credit Divisions to resolve any complex credit application issues and share various credit reports prepared by the team.
• Support the Team Lead and deputise the team in the absence of Team Lead.
• Act as role model to team members and adhere to all company policies/guidelines.
• Support and mentor team members to develop their credit analysis skills, fostering a positive and inclusive work environment and enhancing overall team performance.
• 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.
• Promote consistency in credit analysis across the portfolio.
• Provide input and adding value to Relationship Managers by engaging in client and transaction discussions, structuring and risk mitigation strategies.
• Review borrower ratings in accordance to MUFG's guidelines and policies.
• Monitor due date controls to support the credit facility renewals and ensure that covenant checks are completed in a timely manner.
• Ensure prompt reporting of credit monitoring and escalation of triage assessments.
• Support in developing and updating of local credit policies to ensure alignment with all relevant regulations.
• Support and develop departmental initiatives to drive process improvement/efficiency.
• Support in assessing the health of department's credit portfolio, including but not limited to borrower ratings 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 committee meetings including presentation of portfolio review.
• Adhere to all company policies as well as guidelines

Job Requirements:

• Degree in Accounting, Finance, Banking and / or Commerce.
• Professional qualifications eg. ACCA, CFA, CA would be advantageous.
• Minimum of six years of experience in corporate banking in the area of credit analysis, transaction origination and structuring, and/or relationship management.
• Strong analytical skills to interpret financial data, identify risks and find mitigation to risk issues.
• Good communication and presentation skills.
• Attention to detail and accuracy, including strong numerical skills and ability to work under time pressure.
• Strong Microsoft Office skills, especially Excel, Word and PowerPoint.
• Good knowledge of industries and economic environment in the region.
• Strong understanding of corporate banking products and their risks

We regret to inform that only shortlisted applicants will be notified.

Job ID: 10074518