Credit Analyst

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

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 7th largest financial group in the world. Across the globe, we’re 160,000 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.

**Main Purpose of the Role**
Financial assessment of companies and analysis of credit requests in support of Coverage

**Key Responsibilities**

Credit requests and Annual credit reviews
- Financial analysis: review of the consolidated accounts of large corporates (target clientele: top 200 French groups)
- Credit analysis to focus on independently reaching conclusions from detailed due diligence (including company’s strategy, market position, financial performance and forecasts, etc.), structural enhancements and exposure actions
- Annual Credit Review of parent companies and their subsidiaries, including calculation of financial ratios and proposal of final internal rating
- Active monitoring of the evolution of industrial sectors and companies (press releases, results presentations, rating agencies reports, etc.), with major credit events raised to internal credit committees for discussion - Ad hoc studies at the request of the Branch Management (Paris) or the Credit Risk Department (London), discussions around sector trends and outlook with credit analysts based in London
- Participation to credit meetings
- Regular collaboration with Relationship Managers, Credit Risk Department (London) and Product teams on own portfolio

**Work Experience**

Ideally 2 to 5 years of experience in a similar credit analyst position, with:

- Real experience of financial analysis of large groups based on corporate and consolidated accounts
- Good accounting knowledge (especially IFRS norms)
- Familiarity with files involving large exposures
- Knowledge of different types of financing
- Ability to write and present his/her work in English

**Skills and Experience**
- Bac + 5 (Business school, Master 2 specialized in Banking and Finance, etc.).
- Linguistics: Fluent French & English required - working languages.
- Computer skills: Total autonomy in the use of office automation tools (Word, Excel, Power Point...)

**Personal Requirements**
- A proactive, motivated approach
- Perseverance
- Ability to operate with urgency and prioritise work accordingly
- Strong decision making skills, ability to demonstrate sound judgement
- Great intellectual rigor and writing skills
- A structured and logical approach to work
- Ability to manage large workloads and tight deadlines
- Excellent attention to detail and accuracy

We are open to considering flexible working requests in line with organisational requirements.

MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.

We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.