Analyst, Portfolio Management Group - Diversified Industrials - Global Corporate & Investment Bank

Corporate Finance Professional

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.

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.

This corporate finance professional will be supporting corporate coverage across an industry vertical lending business. A critical function of the role is to assess risk factors associated with a credit profile to determine an appropriate risk rating and credit hold level based on established policies and guidelines. Responsibilities will include, without limitation, supporting the active credit management of a designated client portfolio, utilizing sound analytical and credit validation skills.

The incumbent will provide continuous oversight of designated client portfolio names, monitoring for changes in the respective credit profiles (i.e. potential upgrading, downgrading, and credit deterioration) with the goal of maximizing net income and reducing associated credit costs.

Responsibilities:

• Support the management of a commercial loan portfolio within a segment of an industry vertical
• Perform due diligence and regularly scheduled evaluations of their assigned loan portfolio, which is subject to change relative to the client portfolio
• Support the preparation of detailed credit analyses and required credit applications in accordance with and pursuant to policy, including the evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structure
• Ensure timely coordination and communication of account information across various constituencies throughout the organization
• Maintain a thorough understanding of macro-level country/risk factors
• Maintain current knowledge of relevant industries, including all current events pertaining to an assigned portfolio utilizing internal and external sources
• For assigned accounts, provide oversight of covenant compliance, facility closing due diligence, legal documentation and ongoing monitoring of credit conditions, if any
• Attend RM customer meetings as appropriate
• Special projects as assigned

Advanced Credit/Underwriting Solutions:

• Work within a deal team environment supporting Senior Portfolio Managers in the development and analysis of financing structures/strategies to support/identify LBO, M&A and Corporate re-capitalization opportunities
• Pre-screen proposed transactions to identify critical structural issues and risks, balancing institutional policy with business development needs
• Work on structured credit transactions (including Financial Solution opportunities, securitizations, supply chain, specialized leasing transactions, and up-tier proposals)
• Understand and maintain base industry knowledge of industries represented in the portfolio, including technical aspects, regulatory issues and unique credit product activity
• Participate in client and bank meetings as necessary

Policy and Deal Advocacy:

• Support Senior Portfolio Managers in communicating and/or negotiating with CDA for transaction approval, including final hold level strategies to ensure alignment of risk strategy and policy
• Evaluate and establish appropriate ratings for transactions and correlate appropriate exposure levels at both the transaction and group level
• Ensure compliance with policy and regulatory requirements

Skills and Experience:

• 1-2 years of substantive portfolio management, corporate credit, and/or other similar experience with an emphasis on credit and analytical experience
• Completion of a formal credit-training program at a money center bank is preferred
• Bachelor's degree in Finance, Mathematics, or related discipline CFA is an asset
• Able to work independently and under pressure
• Strong written, verbal and interpersonal skills
• Strong analytical, financial, and balanced decision-making skills
• Advanced financial modeling skills are required, including those required for credit applications and Quarterly Credit Watch presentations

The typical base pay range for this role is between $100K-$110K depending on job-related knowledge, skills, experience and location. This role will 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.

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. 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.