Analyst / Associate, Assistant Relationship Manager, Institutional Banking – Credit and Relationship Management

Job Description

Analyst / Associate, Institutional Banking | Mitsubishi UFJ Financial Group

The Tone:
This is a permanent or 12-month fixed-term role at Mitsubishi UFJ Financial Group, located in New Zealand. MUFG is a leading global financial group dedicated to serving clients, organizations, and communities worldwide with a vision to be the most trusted financial partner. This role is crucial for supporting the sector coverage team in managing corporate and institutional customers, ensuring risk and return targets are met through detailed credit reviews and portfolio management. It offers a unique opportunity to directly contribute to strategic customer acquisition and client service.

The TL;DR
• Role: Full Time
• Type: Permanent or 12 Month Fixed Term Contract
• Location: In-person New Zealand

• Team: Part of the sector coverage team, supporting Relationship Managers and collaborating with various internal stakeholders.
• Mission: To support the origination and management of corporate and institutional customers, achieving risk and return targets through comprehensive credit reviews and portfolio management.
• Tech Stack: Microsoft Excel, Microsoft Office

What You’ll Actually Do
• Conduct Reviews: Conduct thorough annual credit reviews and internal rating assessments for a diverse portfolio of corporate clients, ensuring strict compliance with internal procedures and risk targets.
• Monitor Compliance: Monitor covenant compliance diligently across all accounts, proactively identifying potential issues and supporting refinancing initiatives to optimise revenue streams.
• Prepare Proposals: Support relationship managers by preparing detailed credit proposals for new transactions, including comprehensive deal structuring, in-depth historical and forward-looking financial analysis, and targeted industry research.
• Engage Clients: Engage directly with corporate clients on essential account management tasks such as onboarding processes, periodic reviews, and responding promptly to credit-related requests.
• Collaborate Internally: Collaborate closely with product partners and key internal stakeholders including credit, KYC, risk, compliance, legal, and operations to ensure timely and effective delivery of client solutions.

The Must-Haves
• Background: Bachelor’s degree in Business, Commerce, or Law from a leading university. Essential understanding of financial markets, economic trends, and their impact on corporate and institutional banking, coupled with foundational experience in credit analysis and relationship management.
• Experience: 1-7 years of relevant experience, specifically within a major domestic bank, chartered accounting firm, credit rating agency, investment bank, investment management firm, or corporate treasury team. Demonstrated experience conducting independent research on customers and markets.
• Skills: Proven expertise in financial modelling using Microsoft Excel; exceptional written and verbal communication for reporting and presentations; strong interpersonal skills for client and team relationships; analytical mindset with effective problem-solving and critical thinking; ability to manage multiple priorities independently while collaborating within a team.
• Bonus: Advanced qualifications such as a Master of Finance, MBA, or CFA are highly regarded.