Credit Analyst

**Do you want your voice heard and your actions to count?**

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.

With a vision to be the world’s most trusted financial group, it’s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.

Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.

**Job Summary**:
As an Analyst you'll assess risk factors associated with each credit and determine the appropriate risk ratings based on established policies and guidelines. You will support active credit management and new transaction underwriting utilizing solid credit and analytical skills, analyzing risks and mitigants, including monitoring credits for potential upgrades, downgrades or general credit deterioration with the goal of maximizing the bank’s net income while minimizing credit costs.

**Responsibilities**:

- Perform due diligence on new transactions as well as regularly scheduled evaluation of the existing loan portfolio.
- Coordinate and communicate account information across various constituencies.
- Responsible for building and maintaining knowledge of country/risk factors and all current events within the TMTS industry vertical in the assigned portfolio utilizing internal and external sources.
- Attend client and bank meetings when appropriate via phone, video or occasionally in-person.
- Participate in special projects as assigned.

**Advanced Credit/Underwriting Solutions**:

- Support the prescreening of proposed transactions to identify critical structural issues and risks, balancing institutional policy with business objectives.
- Work on structured credit transactions (including securitizations, supply chain finance, FX, equity margin facilities and leasing transactions).
- Prepare and present select Quarterly Watch List credits to senior credit officers.
- Understand and maintain knowledge of industries represented in portfolio, including technical aspects and regulatory issues.

**Policy and Deal Advocacy**:

- Support the Senior Credit Officer, communicate with Relationship Managers and Portfolio Managers to problem solve and ensure transaction requests are acceptable within the risk appetite of the firm.
- Ensure compliance with internal policy and procedural requirements by understanding and adhering to USWB Operating Procedures, General Credit Policies for the Americas (GCP), and Procedures for Credit Ratings and Credit Rules.
- Evaluate and establish appropriate ratings for transactions and correlate appropriate exposure level with regard to exposure on both a transaction and group level.
- Ensure compliance with policy and regulatory requirements, including timely completion of all assigned training courses.

**Skills & Experience**:

- Minimum of 1 year of work experience within a financial institution, accounting firm or rating agency analyzing corporate client's risk and credit profiles.
- Strong financial spreading/modeling and analytical skills.
- Experience analyzing corporate credit and financing transactions.
- Proficient in Microsoft Word, PowerPoint and Excel
- Strong written, verbal and interpersonal communication skills with ability to work independently.
- Completion of a formal credit-training program at a money center bank preferred
- Bachelor’s degree, in Finance, Accounting, Business or Economics (working towards a CFA is a plus).

Each of MUFG Bank Canada and MUFG Securities Canada is an equal opportunity employer.