Associate – Credit Management

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 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.

About the role:

MUFG, a globally respected financial institution, is seeking an Associate in Credit Management to join their Australian Corporates team based in Melbourne (or Sydney) in a 12-month fixed term contract. This role offers you the opportunity to be at the heart of credit and portfolio management within Global Corporate & Investment Banking (GCIB), supporting both new and existing corporate and institutional customers across Oceania.

You will play a pivotal part in achieving the Bank’s risk and return objectives through comprehensive credit assessment, annual reviews, ongoing monitoring, transaction execution, and strategic portfolio activities.

• Join a globally recognised bank with a strong reputation for client-centricity and supportive leadership, offering you the chance to work alongside knowledgeable professionals who value teamwork and communal success.
• Play a key role in credit management for corporate and institutional clients across Oceania, contributing directly to strategic portfolio activities while enjoying generous support from both onshore and offshore teams.

What you'll do:

Your daily responsibilities will involve collaborating closely with Relationship Managers and Portfolio Leads to manage customer requests efficiently while delivering timely responses that reflect MUFG’s commitment to client satisfaction.

• Manage customer credit and portfolio-related requests by conducting periodic reviews of credit profiles, risk positions, and covenant compliance monitoring to ensure accuracy and adherence to internal policies.
• Support Relationship Managers and Portfolio Leads on new transactions by assisting with deal structuring, preparing credit submissions, and performing detailed financial and industry analysis.
• Conduct deep-dive sector research and analysis, preparing comprehensive sector reviews and insightful portfolio reports that inform strategic decision-making.
• Coordinate effectively with both onshore and offshore stakeholders to guarantee timely delivery of credit activities and seamless transaction execution across multiple teams.
• Ensure strict compliance with internal processes, policies, governance requirements, and regulatory standards throughout all credit management activities.
• Provide ad hoc support to the Head of Credit Management as required, contributing positively to special projects or urgent business needs.
• Lead day-to-day engagement with offshore MGS support teams by allocating workflow tasks, prioritising deliverables, assuring quality standards, managing capacity, and developing team capabilities.
• Oversee deal flow management by coordinating allocation, prioritisation, and completion of portfolio work undertaken by MGS resources while maintaining high-quality standards.
• Support capability development initiatives by facilitating ongoing training for MGS resources to improve efficiency and scalability within the team.
• Assist in account management by conducting annual credit reviews, internal rating assessments, covenant compliance monitoring, supporting refinancing initiatives & coordinating within the MUFG network.

What you bring:

Your proven experience as an Associate Credit Management will be evident through your ability to interpret complex financial information accurately using advanced Excel skills while applying robust analytical frameworks during credit assessments. You bring a deep understanding of Australian financial markets which enables you to conduct independent research into customer profiles, industry dynamics & market trends, all crucial for informed strategic decisions within MUFG’s GCIB division.

• Associate – 3 to 7 years’ experience.
  • Gained from corporate institutional lending, debt advisory roles, major banks, chartered accounting firms; candidates from credit rating agencies, advisory houses, investment management firms, corporate treasury teams also welcomed for their unique perspectives skillsets.
• Business, Commerce or Law degree as an essential qualification underpinning your technical knowledge base; Masters Finance, MBA, CFA qualifications viewed favourably, further strengthening your credentials for this position.
• Show proficiency in credit writing techniques alongside intermediate expertise in financial modelling, legal documentation & debt structuring relevant for corporate lending environments.
• Experience with AI, Copilot, AlphaSense, Capital IQ considered favourably reflecting openness towards technology-driven solutions enhancing operational efficiency & analytical rigour within credit management functions.
• Possess a strong understanding of Australian financial economic markets, enabling you to undertake independent customer, industry, market research & apply critical thinking & attention to detail throughout an analysis.
• Demonstrate solid mathematical aptitude combined with advanced financial analysis skills using Microsoft Office tools, particularly Excel to interpret complex data sets accurately.
• Exhibit excellent written & verbal communication abilities, allowing you to engage effectively with diverse stakeholders both internally & externally, fostering positive relationships built on trust & mutual respect.
• Display proven capability working independently, managing competing priorities, coordinating multiple workstreams & stakeholders efficiently, ensuring deadlines are consistently met without sacrificing quality outcomes.
• Lead workflow delivery through offshore support teams, demonstrating capacity management skills, quality assurance, focus & capability development mindset, promoting communal success & shared learning experiences.
• Show passion & curiosity about how businesses, industries, sectors operate coupled with initiative, accountability, willingness to learn, adapt continuously & improving performance outcomes.

What sets this company apart:

MUFG stands out as one of the world’s most respected financial institutions, a place where client-centricity is not just a principle, but a lived value embedded deeply within every aspect of its operations. The organisation fosters a people-focused culture, characterised by supportive leadership, communal success, knowledge sharing, inclusive practices that empower employees at all levels.

At MUFG you’ll find yourself surrounded by dependable colleagues who value teamwork, collaboration, inter-personal connections above individual achievement; this creates an environment where everyone feels welcome, supported & encouraged to pursue their professional goals confidently knowing they’re part of something bigger than themselves.

What's next:

If you are ready to take the next step in your career journey with MUFG - Apply now!

Apply today by clicking on the link provided.

Our culture:

MUFG fosters a highly professional, supportive work environment that enables our employees to help maximize our customers' prosperity. 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.

Mitsubishi UFJ Financial Group (MUFG) is an equal opportunity employer. We view our employees as our key assets as they are fundamental to our long-term growth and success. MUFG is committed to hiring based on merit and organsational fit, regardless of race, religion or gender.