Credit Analyst - Underwriting and Portfolio Management - Technology, Media & Telecom (TMT)

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.

The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. A member of our recruitment team will provide more details.

We're seeking a Credit Risk Analyst who will be part of our growing Portfolio Management Group. You will handle credit coverage for clients in the Technology, Media, and Telecom (TMT) sector for investment grade, non-investment grade public, and privately owned corporate borrowers. You'll prepare detailed credit analyses and the required credit applications which include the evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance, and capital structure.

As an Analyst, you'll assess risk factors associated with each credit and determine the appropriate risk ratings based on established policies and guidelines. You will support active credit management and new transaction underwriting utilizing solid credit and analytical skills, analyzing risks and mitigants, including monitoring credits for potential upgrades, downgrades or general credit deterioration with the goal of maximizing the bank’s net income while minimizing credit costs.

• Perform due diligence on new transactions as well as regularly scheduled evaluation of the existing loan portfolio.
• Coordinate and communicate account information across various constituencies.
• Responsible for building and maintaining knowledge of country/risk factors and all current events within the TMTS industry vertical in the assigned portfolio utilizing internal and external sources.
• Attend client and bank meetings when appropriate via phone, video or occasionally in-person.
• Participate in special projects as assigned.

Advanced Credit/Underwriting Solutions:

• Support the prescreening of proposed transactions to identify critical structural issues and risks, balancing institutional policy with business objectives.


• Work on structured credit transactions (including securitizations, supply chain finance, FX, equity margin facilities and leasing transactions).


• Prepare and present select Quarterly Watch List credits to senior credit officers.


• Understand and maintain knowledge of industries represented in portfolio, including technical aspects and regulatory issues.

Policy and Deal Advocacy:

• Support the Senior Credit Officer, communicate with Relationship Managers and Portfolio Managers to problem solve and ensure transaction requests are acceptable within the risk appetite of the firm.


• Ensure compliance with internal policy and procedural requirements by understanding and adhering to USWB Operating Procedures, General Credit Policies for the Americas (GCP), and Procedures for Credit Ratings and Credit Rules.


• Evaluate and establish appropriate ratings for transactions and correlate appropriate exposure level with regard to exposure on both a transaction and group level.


• Ensure compliance with policy and regulatory requirements, including timely completion of all assigned training courses.

• Minimum of 1 year of work experience within a financial institution, accounting firm or rating agency analyzing corporate client's risk and credit profiles.
• Strong financial spreading/modeling and analytical skills.
• Experience analyzing corporate credit and financing transactions.
• Proficient in Microsoft Word, PowerPoint and Excel
• Strong written, verbal and interpersonal communication skills with ability to work independently.
• Experience utilizing AI tools to assist in core job functions.
• Completion of a formal credit-training program at a money center bank preferred
• Bachelor’s degree, in Finance, Accounting, Business or Economics (working towards a CFA a plus).

The typical base pay range for this role is between $89k - $110k depending on job-related knowledge, skills, experience and location. This role may also be eligible for certain discretionary performance-based bonus and/or incentive compensation. Additionally, our Total Rewards program provides colleagues with a competitive benefits package (in accordance with the eligibility requirements and respective terms of each) that includes comprehensive health and wellness benefits, retirement plans, educational assistance and training programs, income replacement for qualified employees with disabilities, paid maternity and parental bonding leave, and paid vacation, sick days, and holidays. For more information on our Total Rewards package, please click the link below.

[MUFG Benefits Summary](

We will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws (including (i) the San Francisco Fair Chance Ordinance, (ii) the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance, (iii) the Los Angeles County Fair Chance Ordinance, and (iv) the California Fair Chance Act) to the extent that (a) an applicant is not subject to a statutory disqualification pursuant to Section 3(a)(39) of the Securities and Exchange Act of 1934 or Section 8a(2) or 8a(3) of the Commodity Exchange Act, and (b) they do not conflict with the background screening requirements of the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA). The major responsibilities listed above are the material job duties of this role for which the Company reasonably believes that criminal history may have a direct, adverse and negative relationship potentially resulting in the withdrawal of conditional offer of employment, if any.

The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.

We are proud to be an Equal Opportunity Employer and committed to leveraging the diverse backgrounds, perspectives and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate on the basis of race, color, national origin, religion, gender expression, gender identity, sex, age, ancestry, marital status, protected veteran and military status, disability, medical condition, sexual orientation, genetic information, or any other status of an individual or that individual’s associates or relatives that is protected under applicable federal, state, or local law.