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.

We are seeking an experienced and detailed-oriented Credit Analyst to join our team at MUFG Bank, Seoul branch. The successful candidate will be responsible for assessing, monitoring and communicating credit risk profile of Seoul Branch’s Global Corporate clients to support business expansion, to make proper review & challenge as well as to support final decision making, based on internal and regulatory policies/requirements and also involved in credit related projects (audit, improvement/enhancement of credit management, team task)

What you will be doing:

• Prepare writeups for credit applications (both new deals and existing deals) and Borrower Rating applications in a timely manner with high quality and accuracy.
• Collect information from various sources, including customer financial statements, company accounts, borrower ratings, and sector data, to support deal assessments.
• Collaborate with Relationship Managers to gather information from customers, including financial statements and company accounts.
• Assess customer and industry risk, as well as asset evaluation and cash flow, to ensure feasibility of projection through detailed modeling and conduct regular monitoring
• Conduct necessary review and challenge within the branch when necessary.
• Communicate quickly and precisely with the Credit division to obtain timely credit approvals.
• Partner with the Risk Control department to maintain stable risk management for customers.
• Develop and maintain good interpersonal relationships globally to enhance an effective working environment.
• Work with Asian HQ departments for companies with deteriorated financial results and for product driven approach
• Strengthen the credit management framework to maintain a sound credit portfolio.
• Contribute to a healthy balance sheet for the branches in the region by assessing the creditworthiness of applications.
• Modify and enhance the credit department's organization structure and functions to adapt to economic changes.
• Provide training and study sessions for colleagues on overall credit policy, financial analysis, and credit risk-related projects.
• Support in managing the risk profile for the department.
• Ensure compliance with relevant regulations and limits.
• Maintain good working knowledge of industry trends, products, and regulations.
• Adhere to all company policies and guidelines.
• Handle internal and external audit-related tasks.

What we are looking for:

• Bachelor’s degree or higher
• Minimum 5 years of experience as a credit analyst, preferably in a financial institution or corporate banking
• Competent in company analysis, financial results, and banking deals
• Strong analytical skills and attention to detail
• Knowledge of credit risk management, financial analysis, industry trends, and regulatory requirements
• Basic understanding of financial analysis, accounting, and credit deal analysis in corporate banking
• Strong business sense (deadline management, logical thinking, resilience, negotiation, presentation, collaboration)
• Interest in research, impact assessment, forecasting, and actionable deliverables
• Excellent communication and interpersonal skills
• Proficient communication skills in English
• Ability to work collaboratively with various departments

*We regret to inform that only shortlisted candidates will be contacted.

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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.