Associate, Credit Management (Fixed-Term)

About the role

MUFG is seeking an Associate in Credit Management to join its Australian Corporates team in Melbourne (or Sydney) on a 12-month fixed-term contract. The role sits within Global Corporate & Investment Banking (GCIB) and supports new and existing corporate and institutional customers across Oceania, helping achieve the bank's risk and return objectives through credit assessment, annual reviews, ongoing monitoring, transaction execution and portfolio activities.

Key responsibilities

• Collaborate with Relationship Managers and Portfolio Leads to manage customer requests and respond promptly.
• Review credit profiles, risk positions and covenant compliance, and support new transactions with deal structuring, credit submissions and financial and industry analysis.
• Conduct sector research, prepare sector reviews and portfolio reports, and coordinate with onshore and offshore stakeholders.
• Ensure compliance with internal processes, policies, governance and regulatory standards.
• Provide ad hoc support to the Head of Credit Management on special projects and urgent needs.
• Lead day-to-day engagement with offshore MGS support teams: allocate workflow, prioritise deliverables, assure quality, manage capacity and develop team capabilities.
• Oversee deal flow and portfolio work, and facilitate training for MGS resources.
• Support account management through annual credit reviews, internal ratings, covenant monitoring, refinancing support and coordination within the MUFG network.

Required profile

• 3 to 7 years' experience as an Associate in Credit Management, gained in corporate institutional lending, debt advisory, major banks, chartered accounting firms, credit rating agencies, advisory houses, investment management firms or corporate treasury teams.
• Degree in Business, Commerce or Law; Masters Finance, MBA or CFA viewed favourably.
• Strong understanding of Australian financial markets, with the ability to research customers, industries and markets independently.
• Excellent written and verbal communication, and the ability to work independently, manage competing priorities and meet deadlines.

Required skills

• Advanced Excel and financial analysis.
• Credit writing techniques, intermediate financial modelling, legal documentation and debt structuring.
• Experience with AI, Copilot, AlphaSense or Capital IQ is considered favourable.