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.

Would you like to work for one of the World's largest banks in an exciting, dynamic and international environment?

We are currently recruiting for a Credit Analyst for our Global Corporate Banking Division in Madrid .

MUFG Bank Europe N.V. (MBE) is a fully-owned subsidiary of Mitsubishi UFJ Financial Group (MUFG), one of the largest ranked Financial Groups in the world in terms of assets. A world-class set of businesses and more than 180,000 employees in 50 markets. MUFG offers stability in an ever-changing market, providing services to high-profile clients worldwide.

For more than 50 years MBE offers corporate and investment banking services to both Japanese and non-Japanese corporate customers in the Netherlands and through its branches. The goal is to be among the top performing foreign-owned banks operating in the Netherlands, providing value-added banking services and excellent operations, fulfilling both Japanese and Global Multinational Corporate customers' needs.

At MBE we are committed to contributing to a more sustainable future. Thus, we will encourage you to embed environmental, social & governance (ESG) factors in your everyday work and in our culture.

Your impact at MUFG

The Credit Analysis team is the Bank's first line of defence, sitting alongside CIB bankers to promote an optimal risk/return on the bank's lending opportunities. The department comprises 50+ individuals organised across five sector-oriented teams. Each Credit Analyst is responsible for managing the risk exposure of an EMEA wide portfolio. Analysts work with Front Office counterparts on live transactions and portfolio monitoring to identify and mitigate risks associated with the counterparty, deal structure, documentation, industry and macroeconomic environment.

CAD supports analyst progression through a commitment to learning and development, combining on-the-job experience with internal and external training, including sponsorship of CFA studies. The department draws team members from a wide range of backgrounds, including candidates with accountancy, rating agency and other banking experience.

The role includes the following:

• The Credit Analyst's role focuses on the preparation of forward-looking fundamental analysis in support of client onboarding, live transactions, facility renewals and annual reviews.
• The Analyst will manage an individual portfolio and, over time, be expected to develop both a sector expertise and deep individual counterparty understanding, facilitating a comprehensive top down and bottom up risk review process.
• The role includes actively monitoring portfolio performance, undertaking regular qualitative and quantitative corporate analysis, conducting client due diligence, developing forecast models and ultimately making recommendations on both internal credit ratings and transaction proposals.
• The role also requires support to strengthen our Continental Europe based operation (MBE) by enhancing its overall risk management framework. This will involve support in identifying and implementing relevant best practices and/or processes owned by our First Line of Defence in EMEA.
• The role sits in the General Industries sector team, with the portfolio focused on a wide array of sectors ranging from Capital Goods and Transportation to Infrastructure, Construction, Services or Real Estate.

• Experience in fundamental credit analysis gained in either a bank, asset manager or rating agency environment. There should be an emphasis on credit analysis in the context of a transaction or event. Alternatively, an ambitious newly qualified ACA looking for a career in banking will be considered.
• Experience working with IG and NIG counterparties. General Industries sector coverage would be viewed favourably, albeit not mandatory.
• A strong quantitative background with a solid understanding of accounting and financial data analysis.
• A clear and concise business writing style reflecting a capacity to distil critical information from large data sources.
• Ability to conduct thorough due diligence and form a forward-looking view using cash flow modelling and stress testing.
• A good understanding of loan and ISDA/CSA documentation, market risk and key credit protections is beneficial.
• Degree level and professional qualifications desirable (e.g. CFA, ACCA, ACA, ACT or similar qualifications). There is scope for MUFG to sponsor professional qualifications such as CFA.
• Fluency in German language in addition to English would be a plus.

• Integrity and Responsibility
• Balance Risk with Opportunity
• Customer Focus
• Demonstrate Global Perspective
• Professionalism and Teamwork
• Drive For Results
• Collaborate and Build Partnerships
• Communicate Effectively and Professionally
• Challenge Ourselves To Grow
• Influence and Inspire Others
• Lead Change & Seek Continuous Improvement
• Think Strategically
• Manage and Develop Talent

• We offer you a role in one of the largest banks of the world in a growing and international environment. You have various opportunities to develop yourself and we will support you with that by offering various training and development possibilities.
• We take into account your home situation and your ambitions and help you to balance work and private life.
• Monthly team events.
• To work in an ambitious, international environment with colleagues from different countries and cultures, who strive for the best.

• Acquisition in response to this vacancy is not appreciated.
• The role is based in Madrid. All candidates need to be willing to relocate to Madrid. Internal employees will be supported in case of relocation.
• For more information regarding this position you can contact our Talent Acquisition Specialist at:
• 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.