Credit Analyst, Portfolio Management Group - TMT

Company: MUFG
Location: San Francisco
Posted on: January 26, 2023

Job Description:

Do you want your voice heard and your actions to count?Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 6th largest financial group in the world. Across the globe, we're 160,000 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.This is a hybrid position. The selected colleague will work at an MUFG office an average of two to three days per week with the remainder worked remotely.Overall Purpose of Job:Support Portfolio Management Group and handle credit coverage for non-investment Corporate and mid-Corporate clients in the TMT vertical with a primary focus on Emerging Technology.The Analyst will be a corporate finance professional, supporting non-investment grade coverage across an industry vertical lending business. Critical function of assessing risk factors associated with a credit and determining appropriate rating based on established policies and guidelines. Responsibilities will include supporting the active credit management of a designated portfolio utilizing solid credit and analytical skills. Provide continuous oversight of portfolio names, monitoring for potential upgrading, downgrading and credit deterioration with the goal of maximizing net income and reducing credit costs.Responsibilities:Support the management of a segment of an Industry vertical commercial loan portfolioPerform due diligence and regularly scheduled evaluation of loan portfolio for which they supportSupport preparation of detailed credit analyses and required credit application according to policy, including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structureModeling skills required for both credit application process and Quarterly Credit Watch presentationsResponsible for the coordination and communication of account information across various constituencies throughout the organizationResponsible for knowledge of country/risk factors on a macro levelResponsible for knowledge of particular industries and all current events in assigned portfolio utilizing internal and external sourcesOversight of covenants compliance database and facility closing due diligence, including documentation.Attend RM customer meetings when appropriateSpecial projects as assignedAdvanced Credit/Underwriting Solutions:Work within deal team environment (with GRM, Syndications & Mitsubishi UFJ Securities) supporting Senior PM's in the development and analysis of financing structures/strategies to support/identify M&A and Corporate re-capitalization opportunitiesPrescreen proposed transactions to identify critical structural issues and risks, balancing institutional policy with business development needsWork on structured credit transactions (including Financial Solution opportunities, securitizations, specialized leasing transactions, and up-tier proposals)Understand and maintain base industry knowledge of industries represented in portfolio, including technical aspects, regulatory issues and unique credit product activityParticipate in client and bank meetings as necessaryPolicy and Deal Advocacy:Supporting the Senior PM, communicate and negotiate with CDA for transaction approval, including final hold level strategies to ensure alignment of risk strategy and policyEvaluate and establish appropriate ratings for transactions and correlate appropriate exposure level with regard to exposure on both a transaction and group levelEnsure compliance with policy and regulatory requirements (i.e., CEA, AOA, FSA, OCC and FRB)Requirements:Bachelor's degree, a CFA is an assetSolid credit and analytical background, including at least 1 year of experience in a related roleModeling skills requiredCompletion of formal credit-training program at a money center bank is preferredStrong written, verbal and interpersonal skillsStrong financial spreading/modeling skills requiredGood computer skills in Microsoft Word, Access and ExcelAble to work independently and under pressureThe typical base pay range for this role is between $90K - $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.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/Affirmative Action 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.A conviction is not an absolute bar to employment. Factors such as the age of the offense, evidence of rehabilitation, seriousness of violation, and job relatedness are considered in all employment decisions. Additionally, it's the bank's policy to only inquire into a candidate's criminal history after an offer has been made. Federal law prohibits banks from employing individuals who have been convicted of, or received a pretrial diversion for, certain offenses.#LI-Hybrid

Keywords: MUFG, San Francisco , Credit Analyst, Portfolio Management Group - TMT, Executive , San Francisco, California