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MUFG Credit Analyst / Vice President in Paris, France

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.

As the leading financial services institution in Japan, MUFG Bank continues to evolve toward the goal of being the world's most trusted financial group. Since our origins 350 years ago, we have become an important economic partner for corporations and individuals alike.

We foster a highly professional, supportive work environment that enables our employees to help maximize our customers' prosperity. In a time of rapid and unpredictable change, MUFG Bank protects customer assets and supports healthy, global economic growth. We focus on building long-term customer relationships and giving back to our communities in order to develop shared and sustainable growth for a better world.

Working at MUFG Bank offers you the chance to create an exciting and wide-ranging career.

We are always looking for talented people to join us.

Our Parisian branch is looking for a Credit Analyst to join our GCIB Department for a Vice President position within the Credit Analysis Division.


Credit analysis of large corporates and analysis of credit requests in support of Coverage.


Each analyst (the CAD Paris team comprises four credit analysts, headed by a Director) follows a portfolio of corporate clients and covers various sectors of activity. The Paris branch follows about 60 groups (CAC 40 and SBF 120). The portfolio to be entrusted includes companies mainly from the Automotive and Aviation sectors.

Credit requests and Annual credit reviews:

• Financial analysis: review of the consolidated accounts of large corporates (target clients: 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

• Preparation of credit applications (bilateral or syndicated facilities, market lines, guarantee lines, etc.) including recommendations to be sent to the Credit Risk Department (London) for decision making

• Annual Credit Review of parent companies and their subsidiaries, with a specific focus on ESG, and proposal of final internal rating based on Bank methodology

• 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

• Leading client meetings/Due Diligence calls that are credit-focused, including ownership of Q&A that leads to a strong understanding of the client and the proposal

• Working towards being a line manager, responsible for Associates and Analysts, review of non-complex work and be a part of their development

• Active involvement in identification of prospect clients in conjunction with Relationship Managers

• Regular collaboration with Relationship Managers, Credit Risk Department (London) and Product teams on own portfolio.


Education :

• Bac + 5 (Business school, Master 2 specialized in Banking and Finance,…)

• Linguistics : Fluent French & English required - working languages

• Computer skills : Total autonomy in the use of office automation tools (Word, Excel, Power Point,...)

Experience :

Ideally 5 to 8 years of experience in a similar Credit analyst position, within the banking industry:

• Strong experience in financial analysis of large groups (yearly revenues higher than €1bn) based on corporate and consolidated accounts

• Good accounting knowledge (especially IFRS norms)

• Familiarity with credit files involving very large exposures

• Ability to run transactions end-to-end (including complex deals particularly in the BB/B rating space)

• Good knowledge of Automotive and/or Aviation sectors

• Knowledge of different types of financing

• Ability to write and present his/her work in English, in a succinct way.

Personal skills :

• A proactive, motivated approach

• Perseverance

• Ability to manage large workloads and tight deadlines, in an efficient and autonomous way

• Good organization and adaptability

• Great intellectual rigor and writing skills, ability to demonstrate sound judgement

• Excellent attention to detail and accuracy

• Good presentation and communication skills

• Strong team spirit and coaching skills.

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.

At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!

Our Culture Principles

  • Client Centric

  • People Focused

  • Listen Up. Speak Up.

  • Innovate & Simplify

  • Own & Execute