Associate, Credit Analyst - Commodity Structured Finance

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 Responsibilities:

• Prepare applications for credit approvals in relation to loan and market risk facilities (e.g. forex and interest rate derivatives) for clients across the Energy, Metals and Agriculture industries in APAC as well as annual borrower rating renewals.

• Assess creditworthiness of potential and existing clients, using a variety of tools including financial statements analysis (P & L, Balance Sheet and Cash flow), borrower rating scoring models, financial projection modelling and industry peer benchmarking.

• Conduct research on demand-supply and price outlook for commodities in the oil & gas, metals and agriculture space such as oil & gas, iron ore, steel, palm oil, cocoa and coffee.

• Portfolio monitoring of client performance via financial covenant testing, information covenants checks, Actual vs Projected financial performance and negative news checks.

• To support Senior Transactors:

  • for loan execution through facility documentation checking

  • for internal facility setup and loan drawdown process

  • for business promotion through pitch book and deal origination

• Contribute to the development, adaptation and application of policy, procedures and analysis to ensure a relevant, compliant and rigorous approach to the management of any risk which can negatively affect the portfolio.

• To comply with relevant MAS regulations and applicable MUFG risk and compliance requirement

Job Requirements:

• Degree in accounting, finance, banking and/or commerce

• Professional qualifications e.g. ACCA, CPA, CFA would be advantageous

• Minimum of four (4) years of experience in corporate banking covering structured trade finance in the area of credit analysis, transaction origination and structuring, and/or relationship management

• Strong foundation in the understanding of structured trade finance (e.g. prepayment, pre-export, borrowing base, orphan SPV financing and Just-in-time inventory structures)

• Strong Microsoft Office skills, especially Excel, Word and PowerPoint

We regret to inform that only shortlisted applicants will be notified.

MUFG Bank Ltd & MUFG Securities Asia Limited (collectively referred to as “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.