Analyst / Associate, Institutional Banking

About the role

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 150,000 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. MUFG is seeking an Analyst / Associate with Credit Analyst and Relationship Manager experience to join their sector coverage team in New Zealand. This role offers a unique opportunity for you to support the origination and management of corporate and institutional customers, playing a pivotal part in achieving risk and return targets through comprehensive credit reviews and portfolio management. If you are passionate about finance, eager to contribute to strategic customer acquisition, and thrive in a supportive team setting, this position promises both challenge and reward.

Responsibilities

• Play a vital role in supporting the sector coverage team’s efforts to manage both new and existing corporate and institutional clients.
• Conduct thorough annual credit reviews and internal rating assessments for a diverse portfolio of corporate clients, ensuring compliance with internal procedures and risk targets.
• Monitor covenant compliance diligently across all accounts, proactively identifying potential issues and supporting refinancing initiatives to optimise revenue streams.
• Support relationship managers by preparing detailed credit proposals for new transactions, including deal structuring, historical and forward-looking financial analysis, and industry research.
• Assist in the preparation of client presentations and customer account plans that reflect accurate financial insights and strategic recommendations.
• Engage directly with customers on account management tasks such as onboarding, periodic reviews, and responding promptly to credit-related requests.
• Collaborate closely with product partners and key internal stakeholders including credit, KYC, risk, compliance, legal, and operations to ensure timely delivery of client solutions.
• Coordinate activities within the broader network to facilitate seamless client interactions and maintain high standards of service across all touchpoints.
• Act as an ambassador for the organisation by adhering strictly to company policies and guidelines while exemplifying core competencies required by the bank.
• Support sector risk/return analysis processes alongside the Portfolio Management Group to inform strategic review decisions for infrastructure and structured finance clients.
• Provide ad hoc support to relationship managers as needed, contributing positively to team objectives through responsive communication and cooperative problem-solving.

Requirements

• Analyst (1 to 3 years’ experience) / Associate (4 to 7 years’ experience) experience gained at a major domestic bank or chartered accounting firm; candidates from credit rating agencies, investment banks, investment management firms or corporate treasury teams are also welcome.

Qualifications

• Business/Commerce/Law degree from a leading university is essential; advanced qualifications such as Masters of Finance, MBA or CFA are considered favourably.

Skills

• Comprehensive understanding of financial markets and economic trends relevant to corporate banking or investment sectors.
• Experience conducting independent research on customers or markets combined with critical thinking skills that enable high-level attention to detail.
• Exceptional written and verbal communication skills that facilitate clear reporting of findings as well as persuasive presentations to stakeholders.
• Demonstrated proficiency in Microsoft Office applications particularly Excel with proven ability to build and modify complex financial models for analysis purposes.
• Strong interpersonal abilities that foster positive relationships with clients, colleagues, and cross-functional teams within the organisation.
• Ability to work collaboratively as part of a team while also managing multiple priorities independently across various work streams.
• Analytical mindset paired with effective problem-solving capabilities that support accurate assessment of credit quality and portfolio performance.
• Proactive attitude marked by enthusiasm for learning new concepts quickly; initiative-taking behaviour that drives continuous improvement within assigned responsibilities.