Vice President - Credit Analysis Department; Front Office

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 150,000 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.

• The Credit Analysis Department (‘CAD’) is the Bank’s first line of defence credit underwriting team, working alongside Corporate & Investment Banking coverage and product teams to promote an optimal risk / return on the banks’ lending opportunities.
• The department comprises 50+ individuals organised across five sector‑oriented teams. Each credit analyst is responsible for managing the risk exposure of an EMEA wide portfolio.
• Analysts work with Front Office counterparts on live transactions and portfolio monitoring to identify and mitigate risks associated with the counter party, deal structure, documentation, industry and macroeconomic environment.
• CAD supports analyst progression through a commitment to learning and development, combining on the job experience with internal and external training, including sponsorship of professional studies.
• The department draws team members from a wide range of backgrounds, including candidates with accountancy, rating agency and other banking experience.

• None

• Responsible for the preparation of forward‑looking fundamental analysis in support of client onboarding, live transactions, facility renewals and annual reviews.
• Accountable for managing an individual portfolio and, over time, be expected to develop both a sector expertise and deep individual counter party understanding, facilitating a comprehensive top‑down and bottom‑up risk review process.
• Responsible for monitoring portfolio performance, undertaking regular qualitative and quantitative corporate analysis, conducting client due diligence, developing forecast models and ultimately making recommendations on both internal credit ratings and transaction proposals.
• The role sits in the General Industries sector team, with the portfolio covering counter parties mainly across Western European jurisdictions.

• Responsible for conducting credit due diligence as part of the portfolio review process, as well as in the onboarding of new clients and following key risk events.
• Responsible for assessing pertinent credit issues, raising salient points to the correct stakeholders and analyse the risk reward trade‑off.
• Responsible for developing technical skills and industry knowledge related to the role, working towards sectoral and/or jurisdictional expertise.
• Accountable for ensuring accurate and timely compliance with internal rules and reporting procedures.
• Responsible for undertaking specific country and industrial sector research and other department/ bank wide project work as appropriate.
• As directed, support and provide oversight for the development of other more junior staff members assigned to the team.
• Demonstrate ability to multi‑task and manage ever changing and often conflicting priorities.

• Experience in fundamental credit analysis gained in either a large corporate/ investment bank or rating agency environment. There should be an emphasis on credit analysis in the context of a transaction or event.
• Alternatively, an ambitious newly qualified Chartered Accountant (ACA) from a Big 4 Accountancy firm seeking a career in credit underwriting may be considered.

• Experience working with Investment Grade and Non‑Investment Grade counter parties.…