Senior Analyst

About Us:

MUFG Bank, Ltd. is Japan's premier bank, with a global network spanning in more than 40 markets. Outside of Japan, the bank offers an extensive scope of commercial and investment banking products and services to businesses, governments, and individuals worldwide. MUFG Bank's parent, Mitsubishi UFJ Financial Group, Inc. (MUFG) is one of the world's leading financial groups. Headquartered in Tokyo and with over 360 years of history, the Group has about 120,000 employees and offers services including commercial banking, trust banking, securities, credit cards, consumer finance, asset management, and leasing.

The Group aims to be the world's most trusted financial group through close collaboration among our operating companies and flexibly respond to all the financial needs of our customers, serving society, and fostering shared and sustainable growth for a better world. MUFG's shares trade on the Tokyo, Nagoya, and New York stock exchanges.

MUFG Global Service Private Limited:

Established in 2020, MUFG Global Service Private Limited (MGS) is 100% subsidiary of MUFG having offices in Bengaluru and Mumbai. MGS India has been set up as a Global Capability Centre / Centre of Excellence to provide support services across various functions such as IT, KYC/ AML, Credit, Operations etc. to MUFG Bank offices globally. MGS India has plans to significantly ramp-up its growth over the next 18-24 months while servicing MUFG's global network across Americas, EMEA and Asia Pacific

About the Role:

Position Title: Credit Analyst

Corporate Title: Analyst / Assistant Vice President

Internal Title - Senior Analyst/ Manager

Location: Mumbai - Nirlon Knowledge Park-Goregaon

Job Profile

Key Responsibilities:

The key areas of responsibilities are as follows:

• Support the risk grading and comprehensive review process for a portfolio of investment grade real estate clients across Australia and New Zealand in line with the Bank's credit policies and procedures. All work will be hand-in-hand with in-country real estate experts as MUFG embodies a 'one team' approach' to our critical businesses.
• Contribute to the input and maintenance of Real Estate datasets, to support portfolio risk management with potential for broader regional involvement over time.
• Conduct preliminary research and data gathering
  on real estate market trends (e.g. valuations, cap rates, rental yields, vacancy rates) to support proactive portfolio management, with potential to expand to other regions over time.
• Support audit and regulatory processes, including preparation of documentation for internal and external reviews (e.g. Credit Examination, JFSA / MAS / BoJ / RBI / Statutory audits).
• Maintain credit files and documentation in accordance with the Bank's standards, ensuring completeness and accuracy of records.
• Provide timely support on ad-hoc requests from the in-country credit management teams and assist as needed, in alignment with business priorities and capacity.

Key Skills / Experience:

• Strong understanding of financial statements, with advanced proficiency in Microsoft Excel and the ability to build and modify financial models
• Solid grasp of macroeconomic environment & its impact on the borrowers / portfolio.
• Familiarity with financial data platforms such as Bloomberg / CapIQ, or similar systems.
• Excellent communication skills, including clear and concise report writing.
• High attention to detail, collaborative attitude and diligent work ethic.
• Prior experience supporting or managing a real estate portfolio in a similar environment is highly desirable; exposure to APAC markets is a strong advantage.
• Proactive mind set with strong problem-solving capabilities and sensitive to deadlines.
• Self-starter with initiative, drive, and enthusiasm.
• Analytical thinker with the ability to work independently and manage multiple priorities across diverse workstreams and stakeholders.
• Experience of working with a financial institution

Qualification:

• MBA / equivalent from a premier institute
• CA/ CFA

Years of Experience:

• Senior Analyst from 2 to 5yrs, Manager 5+ yrs

Equal Opportunity Employer:

The MUFG Group is committed to providing equal employment opportunities to all applicants and employees and does not discriminate on the basis of race, colour, national origin, physical appearance, religion, gender expression, gender identity, sex, age, ancestry, marital status, disability, medical condition, sexual orientation, genetic information, or any other protected status of an individual or that individual's associates or relatives, or any other classification protected by the applicable law.