Associate - Credit Management

Join MUFG, where being inspired is expected and making a meaningful impact is rewarded. Responsible for portfolio management, conducting due diligence, periodic monitoring, and preparation and review of credit applications (annual renewals and new proposals) and borrower ratings for Global Corporate and FI clients across all India branches.

Requirements

• Seamless execution of the credit process without major iterations and quality issues.
• Deliver high quality credit proposals which are objective, accurate, present a balanced view and meet all compliance requirements.
• Timely submissions of annual renewals and borrower ratings.
• 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.
• Conduct regular client meetings.
• Assist management in conducting periodic portfolio reviews.
• Support in credit audits – internal and external.
• Maintain close watch on asset quality of assigned portfolio, including pre-emptive review of weaknesses and ensure no sudden surprises or sudden deterioration of borrower rating.
• Lead/Drive portfolio/sector risk processes for assigned sector(s), including Watchlist contributions, timely Sector Review(s) and insightful analysis into emerging risks for the sector and client generally.
• Proactively track early warning indicators and take appropriate escalations and actions.
• Support Global Corporate and Investment 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.
• End to end deal management including collaboration with other stakeholders. Ensure timely submission of proposals and query resolution in order to meet customer expectations.
• Collaborate with diverse set of stakeholders across geographies.