VP - Credit Management

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Responsible for portfolio management, conducting due diligence, periodic monitoring, and preparation of credit applications (annual renewals new proposals) and borrower ratings for Global Corporate and FI clients across all India branches. Responsible for managing the credit approval process thereby supporting front office in meeting client expectations and monitor portfolio quality for the bank. Engage with diversified set of stakeholders in Credit, Audit, Business, CAD and Operations and support in portfolio related matters. Quality review of work submitted the analyst teams and ensure compliance with local regulatory matters. Support management in conducting sector reviews, audits and periodic portfolio analysis. Role is focused on credit underwriting/ analysis and portfolio management and does not involve credit approvals or delegated authority.

Section 2: Primary Responsibilities

Categories

Weighting

Strategic

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I. Credit Process & Quality of Deliverables:

• Seamless execution of the credit process without major iterations and quality issues.
• Strengthen credit analysis to ensure credit proposals are objective, accurate, present a balanced view and meet all compliance requirements.
• Review of submissions from junior analysts.

II. Portfolio Management:

• Timely submissions of annual renewals and borrower ratings for accounts directly managed and those submitted by the team.
• At portfolio level, ensure effective due date control, timely submission of interim performance reviews, regulatory submissions, and covenant monitoring.
• Excess and Limit utilization monitoring
• Maintain credit files and support in internal and external audit. Compliance with regulations and no adverse observations in credit examination or other audit reports.
• Conduct regular client meetings.
• Assist management in conducting in periodic portfolio reviews.
• Support in credit audits – internal and external

III. Watchlist and Emerging Risks:

• Maintain close watch on asset quality of assigned portfolio, including pre-emptive review of weaknesses and ensure no sudden surprises in sudden dip in BR. 
• Lead/ Drive portfolio/ sector risk processes for assigned sector(s), including Watchlist contributions, timely Sector Review(s) and insightful analysis in to emerging risks for the sector and client generally

65%

Financial

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• Support Global Corporate Banking in meetings its revenue and profitability targets through support on new transactions, collaboration on cross border transactions, constructive review of profitability, portfolio monitoring and ensuring adherence to risk appetite.
• Proactive EWS and interim monitoring to ensure asset quality of the portfolio and avoid surprises

10%

Customer

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• End to end deal management including collaboration with other stakeholders. Ensure timely submission of proposals and query resolution in order to meet customer expectations. 

15%

People

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• Provide guidance/ training to junior team members and support in their development.
• Quality review of work submitted by junior analysts focusing on analytical and local compliance requirements.
• Collaborate constructively with other stakeholders, team members without unnecessary issues and behavioral escalations.

10%

Other/ Control

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Section 3: Scoping Factors

People Manager or Individual Contributor

Individual Contributor

Team Size

(Only for People Manager role)

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Scope

Country

Financial accountability

(e.g. revenue/ budget/ expense)

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Any other metric (e.g. Transaction volume, project fund etc)

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Section 4: Key Relationships (with whom & purpose)

External

Clients, Rating Agencies, Peer banks

Internal

(Please attach an Organisation chart, max 3 layers, if applicable)

Coverage Team, Credit analyst Team, Product partners, Middle Office, Credit Approving Division, Credit Managed Assets Department, Offshoring booking location, Compliance, Legal, Internal Audit

Section 5: Qualification & Experience

Skills & Knowledge

(e.g. Capability, Traits required for the role)

Strong understanding of Financial Institutions/ Banks and Non-Bank FI (NBFI) sectors. Extensive experience in preparing / reviewing credit applications (Preferably Financial institutions, NBFIs Portfolio) including financial analysis, risk identification & measurement, mitigation, and Early warning management. Deep understanding of economic & business factors and their impact on major industries. Experience in deal structuring and execution for a wide variety of transactions including M&A – Domestic & Cross-border,  Sponsor led transactions, Financial Institutions, NBFC etc. Strong understanding of Corporate Banking product suite (Lending, Trade, Hedging) including related regulations, documentation and product risks. Strong communication, report writing, presentation, problem solving skills. Must be adept in data mining using spreadsheets involving high volume portfolio data, creating power point presentations. Familiarity with Bloomberg, CapIQ and other analytical and data tools.

Education & Professional Qualifications

Post graduate Diploma in Management (MBA)/ Chartered Accountant (CA)/ CFA/ FRM)

Length & Type of Experience

10+ years of relevant experience in Corporate/ FI Credit Risk underwriting/ analysis and Portfolio management.

Mitsubishi UFJ Financial Group (MUFG) is an equal opportunity employer. We view our employees as our key assets as they are fundamental to our long-term growth and success. MUFG is committed to hiring based on merit and organsational fit, regardless of race, religion or gender.