Associate, Financial Institutions - Credit Management

About the role

MUFG is seeking an Associate, Financial Institutions Credit Management to join its Sydney or Melbourne-based team, supporting the growth of the FI business across Australia and New Zealand. The role covers strategic origination and execution of Fund Finance, Securitisation and Diversified NBFI and Bank transactions, with a focus on high-quality portfolio management, complex refinancing and credit analysis.

Key responsibilities

• Oversee a diverse portfolio of FI clients across Australia and New Zealand, monitoring borrower performance, outlook and credit profiles after origination.
• Lead refinancing activities and complex transaction execution with the Coverage team, aiming for optimal risk-return outcomes.
• Support portfolio construction by contributing to revenue generation, profit optimisation, balance sheet management and loss limitation.
• Collaborate with FI regional management, product teams (AIBD-FF, AIBD-SEC), FICO, SFCO, MGS and Coverage Team Members.
• Coach junior team members through mentorship, training and team meetings.
• Conduct independent research and analysis on customers and markets, and identify emerging risks in the portfolio.
• Ensure high-quality submissions and maintain accuracy in credit writing, financial analysis, modelling, legal documentation and debt structuring.

Required profile

• Minimum 4 years' experience in a major domestic or international bank or chartered accounting firm.
• Business, Commerce or Law degree from a leading university (mandatory).
• Candidates from credit rating agencies, investment banks or investment management firms with relevant skills will also be considered.
• Strong mathematical knowledge, clear written and verbal communication, and excellent teamwork and interpersonal skills.

Required skills

• Extensive experience in institutional lending within the FI sector, including credit writing, financial analysis and modelling, legal documentation and debt structuring.
• Proficiency in the Microsoft Office suite, especially Excel (essential).
• Ability to conduct independent research and analyse customers and markets.

Masters of Finance, MBA or CFA qualifications are considered favourably. MUFG is an equal opportunity employer.